January 24, 2024

How to Beat Velo Law Office in Court

How to Beat Velo Law Office in Court ZumaZip settle Debt

If you’ve been sued by the Velo Law Office, use ZumaZip.com to respond in 15 minutes and win your lawsuit.

If you have been served, then you may be trying to gather your thoughts and figure out your next move. Being sued for a debt or pursued by a debt collector can be stressful, and most commonly the instinct is to run and hide. This is the wrong decision.

Fear is the primary method used by many debt collectors to push you to pay your debt. Typically this does not work because if you had the means to pay your debt in the first place, you would have.

If you are being sued for debt by Velo Law Office, then you have options. You may have received a summons in the email, many calls from this office, or you might even have a judgment against you. Regardless, you do have the opportunity to beat Velo Law Office in court. The first step to take is to respond.

Know the Law

When you are being pursued for a debt by Velo Law Office, there are a variety of laws that you should be aware of. The Fair Debt Collection Practices Act (FDCPA) is a group of laws that protect you as a consumer.

When Velo Law Office calls you, they must abide by the following rules:

  • They must announce who they are and that they are calling to collect a debt.
  • They must not disclose any details of your debt to anyone other than your spouse, or parents if you are under the age of 18.
  • They may not use intimidating or rude language.
  • They may not harass you or threaten you to force you to pay your debt.
  • They may not call you at work if it is not allowed.
  • They must not call too late or too early. This typically means no calls before 8 am and none after 9 pm.
  • They may not continue to contact you if you have submitted a cease and desist letter or if you have hired a lawyer.

With ZumaZip you can make the right affirmative defenses the right way.

How to Beat Velo Law Office in Court

There have been various instances where Velo Law Offices has been reported to the Consumer Financial Protection Bureau. These reports include instances of rising debt with no explanation, as well as lies regarding wage garnishments. If you are going to court with Velo Law Office for debt, be sure to take the following steps to ensure you have the best chance of winning your case.

ZumaZip makes it simple to respond the right way.


Most people do not respond to a lawsuit in the appropriate amount of time. This will result in a judgment, which means you have already lost. When you respond, never admit fault. Be sure to file your answer with the clerk of the county, and ask for an answer. If you are working with a lawyer, they should send a certified copy to Velo Law Office.

ZumaZip makes it easy to win a debt collection lawsuit.

Review Your Options

When being sued for a debt, you can find loopholes that will invalidate the debt. This might include:

  • The statute of limitations: This is a certain amount of time when you can be sued for the debt. After the statute of limitations expires, you can have your case thrown out.
  • Ask for proof: This might include challenging their right to sue or asking for proof of the original debt. If they cannot find this proof and show it to the court, then they may have no claim against you, and the case will be thrown out.
  • File a countersuit: You may file a counterclaim against Velo Law Office if you believe they have violated the Fair Debt Collection Practices Act in any way. Although this does not automatically throw out your case, it may convince them to drop it to avoid a lawsuit on their behalf.
  • File for bankruptcy: This should be the last option, but if you are suffering from financial issues, it may be your best option.

Keep Fighting

When in a lawsuit against Velo Law Office, you have options. Keep fighting and look for all loopholes. In the end, you may be able to obtain a settlement, if nothing else. Then you can move on to rebuild your credit and get back to your life before debt.

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

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Hey there! Facing off against a debt collector can feel like a daunting challenge, but fear not! We’re here to help you navigate through it all with our handy guides designed to assist you in beating every debt collector you encounter. Whether you’re facing a new lawsuit or dealing with a persistent collector, we’ve got your back. Stay positive, stay informed, and let’s tackle this together!

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