Does filing a collection defense lawsuit hurt my credit score?

No, filing a collection defense lawsuit in West Virginia will not hurt your credit score. Collection defense law was specifically designed to protect consumers and their credit scores from debt collectors. According to West Virginia state law, even if the debt collector is successful and wins the lawsuit, your credit score will remain intact. When you file a collection defense lawsuit in West Virginia, the debt collector is required to provide proof that you actually owe the money and that they have followed all of the required legal steps to collect it. If the debt collector is unable to do this, or if the debt is past the statute of limitations for collection, the judgment will be in your favor and the debt disappears from your credit report. If, however, the debt is legitimate and within the statute of limitations for collection, the court may decide in favor of the debt collector and order you to pay the debt. However, even if the court decides in favor of the debt collector, your credit score will remain intact. In summary, filing a collection defense lawsuit in West Virginia will not hurt your credit score, no matter what the outcome of the case. Even in cases where the court decides in favor of the debt collector, your credit score will remain unaffected and the debt will no longer be reported on your credit report.

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Does filing a collection defense lawsuit hurt my credit score?

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