What defenses are available to me in a collection defense law case?

In California, a collection defense law case refers to any situation where someone is being sued for the collection of a debt. In such cases, there are several defenses available to the debtor. One defense is called "accord and satisfaction." This means that the debtor and the creditor settle their debt outside of court by agreeing to an amount that is less than the original debt. If this agreement is made, the creditor cannot then take the debtor to court for the remainder of the original debt. A second defense is called "statute of limitations." This means that after a certain period of time, creditors cannot sue for the collection of a debt. This period of time is determined by California law, and varies for each type of debt. Another defense is called "res judicata," which means that the debtor has already gone to court and the debt was settled. The creditor cannot sue the debtor for the same debt again. Yet another defense is called "set-off defense." This means that the debtor can use their own money that they owe to another creditor to pay the debt that is being sued for. This does not mean that the debt has been paid off, but that the debtor has used their own funds as payment. Finally, a debtor can argue that they do not owe a debt by disputing the validity of the debt itself. This requires evidence that the debt is not valid, such as a lack of signed documents or incorrect information. If you are being sued for the collection of a debt in California, it is important to understand the specific defenses available to you. Each defense must be argued properly, and it is best to work with a lawyer if possible.

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