Frequently Asked Questions about Debt, Collection, and Your Rights
Dealing with debt can be stressful and confusing — especially when collectors are calling or legal action is involved. Below are answers to some of the most common questions consumers have when exploring their options with Purple Judge.
About Purple Judge
What is Purple Judge?
Dealing with debt can be stressful and confusing — especially when collectors are calling or legal action is involved. Below are answers to some of the most common questions consumers have when exploring their options with Purple Judge.
Is Purple Judge a law firm?
No. Purple Judge is not a law firm and does not provide legal services directly. Legal services, when applicable, are provided by independent law firms based on geographic location and case eligibility.
Is the case review really free?
Yes. The initial case review is free, confidential, and comes with no obligation to move forward.
Do I have to enroll or commit to anything?
No. Purple Judge does not pressure consumers to enroll, settle, or take any specific action. Our goal is to help you understand your situation and potential options.
Debt & collections
What type of debt does Purple Judge help with?
Purple Judge focuses on unsecured consumer debt, including: credit card debt, medical bills, personal loans, accounts in collections, charge-offs, and certain debt related lawsuits.
Should I pay a debt before having it reviewed?
Not necessarily. Paying a debt before understanding your rights or the debt’s validity may limit your options. In some situations, legal review may be beneficial before making any payments.
What if I don't recognize a debt I'm being contacted about?
This is more common than many people realize. Debts are frequently sold or transferred, and errors can occur. Consumers generally have the right to request validation of a debt before paying.
Can a debt collector legally collect from me?
Collectors must be able to prove that the debts is valid, the amount is accurate, and they have the legal right to collect. If they cannot, legal protections may apply.
Debt collection harassment & unfair practices
What counts as debt collection harassment?
Harassment may include: excessive or repeated phone calls, threatening or misleading language, contacting family members, employers, or third parties improperly, calling outside permitted hours, and/or failing to provide required written notices. Federal law limits how collectors can communicate with consumers.
Can collectors contact my family or employer?
In most cases, collectors are limited in how they can contact third parties and cannot discuss your debt with them. Improper third-party contact may violate consumer protection laws.
What should I do if a collector is being aggressive or threatening?
You should document all communications and avoid making decisions under pressure. Understanding your rights is an important first step before responding or paying.
Debt lawsuits
What should I do is I've been sued over a debt?
Do not ignore a lawsuit. Debt lawsuits have strict deadlines, and failing to respond can result in a default judgment. Legal review as early as possible is often critical.
Can I be sued for an old debt?
Possibly, but there may be defenses depending on factors such as the age of the debt and documentation. Laws vary by state, which is why location matters.
What if I've already been served court papers?
If you’ve received court documents, time is important. Reviewing your situation quickly can help you understand what options may exist.
Credit reporting & disputes
What if my credit report contains errors?
Credit reports often contain inaccurate or outdated information. Consumers generally have the right to dispute incorrect or unverifiable information with credit reporting agencies.
Can inaccurate debt reporting affect my life beyond credit scores?
Yes. Credit reports may impact housing, employment, insurance rates, and borrowing ability. Addressing inaccuracies can be important even if you’re not applying for credit.
Does disputing a debt hurt my credit?
Disputing inaccurate information does not automatically harm your credit. However, how disputes are handled can matter, which is why understanding the process is important.
working with purple judge
How does Purple Judge decide which law firm I'm connected with?
If legal representation may be appropriate, cases are routed based on geographic location and the nature of the issue. Not all cases require legal representation.
Will working with Purple Judge stop collectors from contacting me?
That depends on your situation. In some cases, legal involvement may limit or stop certain types of collection activity. Results vary.
What if Purple Judge determines legal help isn't appropriate for me?
If legal representation isn’t a fit, we aim to provide clarity so you can make informed decisions moving forward.
Getting started
How do I get started?
The first step is completing a free case review. You’ll share basic information about your debt situation so it can be evaluated.
How long does the review process take?
Timelines vary depending on the complexity of the situation, but the goal is to provide clarity as efficiently as possible.
Is my information kept confidential?
Yes. Information submitted through Purple Judge is handled confidentially and used only for evaluation and routing purposes.
Still have questions?
If you’re dealing with debt, collections, or legal action and aren’t sure what to do next, the first step is understanding your options.
Get a free, confidential case review today.
TAKE THE FIRST STEPS
Enrollment is easy!
1
Share basic information about your debt, collectors, or lawsuit in a confidential consultation.
2
A legal evaluation identifies potential violations, defenses, and next-step options from consumer-protection law.
3
If appropriate, we match you to a qualified law firm in your state and explain next steps — you decide.
SUCCESSFUL CLIENTS SPEAK
A BETTER TOMORRoW STARTS TODAY.
Facing debt-related legal issues? Get in touch for a free review and we’ll explain possible legal options and next steps. Purple Judge connects you to vetted law firms when appropriate.
[email protected]
113 S. Perry St, Suite 206 #4632
Lawrenceville, GA 30046
Purple Judge is not a law firm. Purple Judge is a marketing and intake platform that connects consumers with independent law firms based on geographic location and case eligibility. Results vary depending on individual circumstances.
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