Rose Consumer Law Obtains Dismissal of Debt Buyer Case

On June 12, 2025, at the trial of a debt buyer lawsuit seeking to collect $10, 176.34 allegedly owed on a defaulted Citibank credit card, Rose Consumer Law obtained a dismissal of the case with prejudice. A dismissal “with prejudice” is the equivalent of a ruling by the court that our client does not owe the debt. A dismissal “without prejudice” on the other hand – typically entered when a debt collector dismisses a case before trial - is not a ruling on the merits and enables the case to be refiled. Although refiling is rare, when a case is dismissed without prejudice, there is no ruling whether or not the debt is owed, so collection efforts including credit reporting can continue. Once the statute of limitations expires, collection cannot be enforced via lawsuit, but collection of the debt can otherwise continue. After awhile, debts can fall into the hands of unscrupulous collectors who, since they can no longer sue to collect,  use threats to scare consumers into paying. Don’t be scared by threats. Legitimate debt collectors don’t use them. A good rule of thumb is this: Debt collector threats are a sign of weakness and an indication that you cannot be compelled to pay. If you have any questions call us at (877) 320-2380.