Sued by a debt collector? Facing wage garnishment? You have rights — and you have options. Kent Cobb fights back against aggressive debt collectors so you don't have to face them alone.
Time-sensitive: You typically have only 20–30 days to respond to a debt collection lawsuit. Act now.
Debt buyers purchase portfolios of old, charged-off debts for pennies on the dollar — sometimes as little as 1–4 cents per dollar of face value. They then sue consumers hoping for a default judgment, knowing that most people don't know their rights or don't respond in time.
70%+
Default Judgment Rate
Of debt collection lawsuits result in default judgments because consumers don't respond
1–4¢
Debt Purchase Price
Per dollar of face value — yet they sue for the full amount plus interest and fees
Low
Documentation Rate
Many debt buyers cannot produce the original contract or account statements
Kent Cobb's background in finance and business gives him a unique advantage in debt defense cases. He understands how debt buyers operate, what documentation they need to win, and where their cases are weak. He uses that knowledge to protect his clients.
Defending against lawsuits filed by companies that purchased your old debt — often with little or no documentation to prove the debt is valid.
Representing consumers sued by original creditors or their attorneys for unpaid credit card balances.
Helping consumers who were sued and received a default judgment vacate that judgment and get a second chance to defend themselves.
Filing legal motions to set aside judgments entered against you, often due to improper service or lack of notice.
Taking immediate legal action to stop or reduce wage garnishment that is threatening your ability to support yourself and your family.
Asserting your rights under the Fair Debt Collection Practices Act (FDCPA) and state consumer protection laws against abusive collectors.
Negotiating directly with creditors to settle debts for less than the full amount owed, often avoiding litigation entirely.
If you've been served with a lawsuit or are facing wage garnishment, time is critical. Contact Kent Cobb today.
Get Help Now (501) 450-0000Debt defense services available in Illinois, Arkansas, North Dakota, Oklahoma, Wyoming, and Iowa.
Kent Cobb has the legal expertise and financial background to challenge debt collectors and protect your income, assets, and future.