Does filing a collection defense lawsuit hurt my credit score?

No, filing a collection defense lawsuit will not hurt your credit score in South Carolina. Collection defense law is designed to protect consumers from unfair debt collection practices. Under collection defense law, if you can prove the debt is not yours, you can request that a collection agency remove it from your credit report and stop trying to collect on it. This means the collection account will be erased from your credit report and your credit score will not be affected. However, filing a collection defense lawsuit can take time and you may need to pay legal fees. It is important that you follow the advice of your legal counsel as to what your best strategy may be to resolve the debt. Additionally, you may need to provide proof that the debt is not yours. Therefore, it is important to understand the legal process before taking any action. To sum it up, filing a collection defense lawsuit will not hurt your credit score in South Carolina. However, it is important to understand the process and you may need to pay legal fees in order to properly address the situation.

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Does filing a collection defense lawsuit hurt my credit score?

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