Debt collectors calling your job? Getting sued and don't know what to do?Attorney Jeff Lohman from Guardian Litigation Group joins this episode of The Debt Hotline to break down your fundamental rights when dealing with debt collection and what to do when collectors cross the line.Jeff brings his personal experience to this conversation. After losing everything in the 2008 mortgage collapse, he went to law school specifically to become a consumer protection attorney. Now he helps people navigate debt collection lawsuits, FDCPA violations, and credit reporting issues in Arizona and beyond.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this episode of The Debt Hotline, you'll learn:Your two most important rights: debt validation and freedom from harassmentWhy you have exactly 30 days to request debt validation from collectorsWhat actually counts as harassment under federal law (and why Regulation F was pulled back)How to handle default judgment requests and potentially get them vacatedWhen debt collectors can and cannot contact your family, friends, or workplaceStrategic ways to negotiate better settlements, including using arbitration clausesReal listener questions covered:Default judgment requests in California and how to respondDebt collectors calling family and work (FDCPA violations)Predatory lending with 400% interest rates and automatic withdrawalsSettlement strategies for $6,000 Midland Funding lawsuitsCommunity property states and spousal debt liabilityMotion to vacate judgment options for improper serviceKey takeaways from Attorney Jeff Lohman:Never ignore debt lawsuits. Less than 2% of people actually respond, leading to thousands of default judgments monthlyDebt collectors can only contact third parties for location information, and only if they don't already have your contact detailsOriginal creditors (like banks) aren't covered by the FDCPA, only third-party debt collectors areArbitration can give you leverage since it costs collectors thousands while only costing consumers a few hundred dollarsSettlement depends heavily on your financial situation, and being "judgment proof" gives you significant negotiating powerJeff also warns about debt collection scams: legitimate collectors will never demand immediate payment over the phone or threaten arrest. Always ask for written documentation and never pay someone who pressured you into a panic decision.Connect with Jeff Lohman and Guardian Litigation Group at https://guardianlit.comTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

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