Question 1

What does DL Group Support Services actually do?

Accepted Answer

We help consumers understand their rights when dealing with creditors, lenders, and debt collectors, and connect them with appropriate representation when legal action is needed.

Question 2

Are you a law firm?

Accepted Answer

DL Group Support Services is a consumer support and client services organization. We work with experienced consumer-protection attorneys and refer matters to counsel where representation is required.

Question 3

How much does it cost to talk with you?

Accepted Answer

Initial consultations are free and confidential. If representation is needed, fee structures vary by case and are explained up front before you commit to anything.

Question 4

Will pursuing my rights hurt my credit?

Accepted Answer

Disputing inaccurate information or asserting your rights under the FDCPA, FCRA, or TILA does not by itself harm your credit. In many cases, correcting errors improves your credit profile.

Question 5

Can a debt collector call my employer?

Accepted Answer

A collector may contact your employer once to confirm your employment or location, but generally may not discuss the debt with them. If you tell the collector your employer prohibits such calls, they must stop.

Question 6

What is debt validation?

Accepted Answer

Within 30 days of a debt collector's first contact, you can demand in writing that they verify the debt. The collector must stop collection activity until they send proof of the debt and the creditor.

Question 7

What is the statute of limitations on debt?

Accepted Answer

Each state sets its own limitation period — typically 3 to 6 years for credit card debt. After it expires, the debt is unenforceable in court, but be careful: a small payment or written acknowledgment can sometimes restart the clock.

Question 8

I was just sued by a debt buyer. What do I do?

Accepted Answer

Do not ignore the lawsuit. Failing to respond results in a default judgment. Contact us right away — many debt-buyer suits are vulnerable to standing and evidence defenses.

Question 9

Can a collector threaten to have me arrested?

Accepted Answer

No. The FDCPA prohibits collectors from threatening criminal prosecution or arrest for a consumer debt. Such threats are themselves grounds for an FDCPA claim.

Question 10

What if I actually do owe the debt?

Accepted Answer

You can still have rights. Even when the underlying debt is valid, the collector or creditor may have violated procedural rules, disclosure requirements, or the FDCPA. Those violations have independent legal value.

Question 11

Do you handle bankruptcy?

Accepted Answer

Bankruptcy is one option among many. We help evaluate whether bankruptcy, negotiation, litigation defense, or pursuing creditor violations is the right fit for your situation.

Question 12

What information should I gather before calling?

Accepted Answer

Collect any collection letters, court papers, credit card statements, loan documents, a log of collector calls, and a list of debts you are aware of. The more you have, the better the initial review.

Question 13

Is my information confidential?

Accepted Answer

Yes. Information you share with us is treated as confidential and used solely to evaluate and assist with your matter.

Question 14

How quickly can you help me?

Accepted Answer

If you are facing a lawsuit, foreclosure, or wage garnishment deadline, contact us immediately — these matters are time-sensitive and waiting can severely limit your options.

Answers to common questions.

Don't go up against your creditors alone.