If you received a notice from Conn Appliances, Inc., you might wonder, “Why is Conn’s suing me?” At Warren & Migliaccio, we understand the stress of debt and facing debt collection. Our North Texas debt resolution attorneys outline important information about Conn Appliances, Inc. and your potential options when faced with a Conn’s lawsuit below.
What Is Conn Appliances, Inc?
Conn Appliances, Inc. is a home goods retailer headquartered in The Woodlands, Texas, that primarily sells appliances, furniture, and electronics. You may know it as Conn’s HomePlus, but it is also known as Conn’s Inc. and Conn’s Appliances. It is a publicly-traded company with the ticker CONN and operates in 15 states.
Why Is Conn Appliances Suing Me?
Conn’s provides financing options to consumers. These options include retail installment contracts (direct loans to finance home goods), store credit cards, and lease-to-own programs (rental-purchase agreements).
Store credit cards allow consumers to purchase home goods and pay for them over time. With a retail installment contract, Conn’s loans the consumer a specific amount to be paid back over time with interest. The contract specifies a set number of payments over a specified length of time. Conn’s also offers lease-to-own programs that claim flexible payment options for consumers.
If Conn Appliances fails to collect payment from you over a specific timeframe, it may hire a lawyer to file a lawsuit against you for breach of contract and debt collection.
Who Represents Conn Appliances in Debt Collection Cases?
Conn Appliances, Inc. uses various law firms to handle its contract and debt collection cases in Texas. A few firms that represent Conn’s include, but are not limited to:
- Scott & Associates, P.C.
- Rausch Sturm LLP
- Johnson Mark LLC
- Javitch Block LLC
These law firms primarily represent creditors and debt collectors. They focus their practices on debt collection and creditor rights and have considerable experience and success in litigating these cases. Though it is not required to have a lawyer, Warren & Migliaccio does not recommend representing yourself against one of these firms. Get experienced representation from one of our debt defense attorneys to defend you and fight for your best interests.
Discuss Your Situation With a Debt Defense Attorney From Our Firm
It may seem easier to ignore a lawsuit against you, but unfortunately, ignoring it will not make it go away. Instead, it will make it easier for Conn’s to get a default judgment against you, giving them legal entitlement to the money without your side of the story. Even if the amount of debt is incorrect or you do not owe it.
You do not have to face this stressful and frustrating time alone. Our North Texas debt resolution attorneys help people every day who are dealing with debt collectors and creditors like Conn’s. We also help our clients explore all options for debt elimination and resolution. We are here to offer you the information you need to understand your best options for moving forward. Call us today or fill out our online contact form, and we will call you.
Can Conn’s Garnish Wages in Texas?
Texas does not allow wage garnishment for debt collection, except for specific types of debt, like child support or unpaid taxes. If Conn’s gets a judgment against you, it cannot garnish your wages. However, it may be able to garnish your bank accounts or seize your property.
What Happens if Conn’s Sues You?
Depending on your situation, you may have various legal options to resolve the Conn Appliances lawsuit against you. These options may include the following:
It is essential to understand that all of these options start with action. Ignoring the Conn Appliance lawsuit limits your legal options. You may only have 14 days to respond to the suit, depending on which court is handling your case.
You may have defense options to fight Conn’s lawsuit. We can review Conn’s claim against you and investigate the matter to determine whether we can pursue case dismissal. Typically, debt collection suits have weaknesses. A few potential defense strategies we will explore include, but are not limited to:
- Statute of limitations for Texas debt collection. A statute of limitations is a time limit or deadline for how long a person or entity has to file a claim. For debt collection, creditors and debt collectors have four years to file a lawsuit. After the deadline passes, a lawsuit cannot be filed.
- Identity theft or mistaken identity. Do you not recognize the debt, or have you never financed with Conn’s Appliances? The debt may be a result of identity theft, or Conn’s may be trying to hold you accountable for someone else’s debt.
- Incorrect amount of debt. If you believe the amount is less than the claim, we can dispute it on your behalf and demand evidence from Conn Appliances, Inc. It is Conn’s burden to prove that you owe the amount it alleges.
Additionally, many federal laws protect consumers from debt collectors, harassment, unauthorized payments, and false credit reporting. For example, the Fair Debt Collection Practices Act (FDCPA) protects consumers from debt collector harassment and illegal collection tactics. While the law does not apply to Conn Appliances, it may apply to its attorneys.
Also, the Telephone Consumer Protection Act (TCPA) protects consumers from robocalls. Conn’s has actually been sued in the past for robocall harassment. If we determine that Conn’s harassed you or illegally tried to collect from you, we can work to get its case against you dismissed and hold it accountable for its actions.
If Conn’s can prove that you owe the specified amount of debt and it has the right to collect from you, negotiation may be the right option for you. Negotiation occurs outside the courtroom and is less expensive than litigation, so it benefits Conn’s to settle with you. Generally, an experienced debt defense lawyer can get you a favorable settlement that is less than the original amount of debt.
Do you feel like your debt is too unmanageable to handle? We encourage you to discuss with your attorney whether bankruptcy may be a viable option for you. Bankruptcy can offer a fresh financial start. Unfortunately, there are many misconceptions about bankruptcy and its effects. Our North Texas bankruptcy lawyers are here to clear up those misconceptions, explain the benefits, and determine whether it could be an option for you.
Take Action Today by Contacting Our North Texas Debt Resolution Attorneys
Our North Texas debt resolution lawyers defend Texans every day from creditors and debt collectors. From filing your lawsuit response to resolving your case, we can support you through a Conn Appliance lawsuit every step of the way. The first step is calling our office or filling out our online contact form so we can reach you. During a consultation, we will answer your legal questions, discuss your situation, and explain how we can help you through the process.