My question involves collection proceedings in the State of: Arizona
I have been sued and am heading down to the courthouse today to file my sworn denial on a credit card debt. I have asked verbally for verification, and received nothing.
I started recording my calls with them after a few outright lies, and believe that I may have caught them. In a recorded conversation, the rep says very straight forward that they are a law agency and are collecting on behalf of their client, but they appear to be only a collection agency. How do I know if they failed to comply with the Fair Credit Collections Act? Their website is: http://guglielmoandassociates.com. I have heard that they can't claim to be a law firm. Is this true?
He truly does not want to go to court. What are my chances of getting this dropped if I file sworn denial?
Also, can they tack on their attorney fees, etc. if they happen to win the judgment?