They filed a lawsuit because their client said you owed money to their client. Kapioltas and Forni, P.L.L.C. is acting as an agent for their client. They have not purchased this debt. Usually when they file a lawsuit they will ask the court to award them the full amount claimed plus attorney’s fees plus pre and post judgment interest Learn more about what they can ask for in the lawsuit. You should take any court action against you seriously. Ignoring the lawsuit can make the situation worse.

If they take a judgment against you, they may be able to:

• Freeze your bank account (Learn more about Bank Garnishment)
• Take your paycheck in most states (Learn more about Wage Garnishment)
• In some states, go after retirement savings
• Sell unprotected assets including homes, cars, jewelry

Usually when Kapioltas and Forni, P.L.L.C. files a lawsuit, the first you learn of it is by consumer attorneys mailing you asking you to hire them. It can take days to months before you are served with the lawsuit. You can check to see if you have been sued by Find a Court Website Online. Once you are served with the lawsuit, you need to answer it within a time frame required by the state. If you need help answering a lawsuit, contact a consumer credit attorney.

Usually when a creditor sends a debt to Kapioltas and Forni, P.L.L.C. to collect, they usually do not speak to you. If you call them, they will most likely ask you to call Kapioltas and Forni, P.L.L.C.. Even if you make an arrangement with the creditor directly, you will still need to contact the law firm to make sure that the lawsuit reflects the new agreement. If you do not work out a resolution directly with Kapioltas and Forni, P.L.L.C., then you risk them continuing with the lawsuit and they may take a judgment against you. If you need help negotiating a settlement, contact a consumer credit attorney.

Received a letter from Kapioltas and Forni, P.L.L.C.? They usually will send a demand letter before they file a lawsuit against a consumer. This letter should state who their client is and how much money they are trying to collect from you. DO NOT IGNORE THIS LETTER. If you receive this letter, you may want to send a letter to them disputing the account. Kapioltas and Forni, P.L.L.C. is acting as a third party debt collector that is governed by the Fair Debt Collection Practices Act (FDCPA). This means that if you discover problems with the way they are collecting the debt you may have more leverage against them when trying to resolve your lawsuit or debt collection issue.

Since this law firm is a third party debt collector outside of the lawsuit, you can dispute with them about the debt they are trying to collect.

The process of disputing after receiving the demand letter

1. Send the Sample Dispute Letter to Kapioltas and Forni, P.L.L.C.
2. Mail the dispute letter via Certified Mail to them.
3. Check in 7 to 10 days at usps.com the tracking number to make sure it was delivered.
4. Wait 30 days for their response
5. Evaluate their response to see if there are problems with the response.

1. Did they clearly state the amount they claim owed.
2. Did they clearly state who the debt is owed?
3. Did they respond within 30 days of receipt of your dispute?
4. Did they file the lawsuit before they answered your dispute?
5. Are there any other problems you see? If your state requires them to be registered as a Debt Collector, are they registered? See States that Require Debt Collectors to be Licensed

5910 North Central Expressway Suite 760

Dallas, TX 75206

Phone Number | (214) 764-9232