The Rule 12(b)(6) Lifeline: When Debt Collectors Fail to State a Valid Claim
When a debt collector files a lawsuit against you, the complaint they submit to the court must tell a legally sufficient story. It must include enough facts to show that you actually owe the debt, that the collector has the right to collect it, and that the lawsuit is timely. Many debt collector complaints fail this basic test. They are vague, conclusory, or missing critical allegations that...
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