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Collection Defense / Creditor Harassment.

You would be hard-pressed to find a law firm that is as well equipped as ours in defending against collection suits, and fighting creditors Toe to toe. Over the years, we have amassed a large library of pleadings and enable us to fight that collectors and very little expense to you.  I'm times, we even fight them on a contingency basis, meeting we only charge you once we win or settle the case, and our charges are, in those cases, a percentage of what we save you if or when you settle.

But the knee jerk advice that attorneys usually give clients when they are being sued on it that is to settle right away, make a payment plan, or file for bankruptcy. Our firm provides another option in addition to all of those. We give clients the option of fighting creditors, and forcing them to prove that you owe the debt, that you made the charges, and that you are otherwise obligated to pay them.

What most people don't know is that the vast majority of debts in this country are collected on by "third-party debt collectors." These shady figures are groups of investors that usually by their debts en masse, involved at debt auctions. And a 2009 FTC study revealed that these third-party debt collectors have the option of buying the supporting documentation that establishes what the accurate amount of the debt should be and prove that the consumer made the charges, by paying a slightly higher price for the that portfolio. But that they declined to pay that higher rate, relying on the fact that most people will never defend themselves against us, and either pay the ransom or just filed bankruptcy.

This is one of the many tools that our firm employees to defend you against collection, and to help you exercise your legal rights when being sued.

The numbers of violations that are committed by debt collectors are numerous, and cannot be explained in one page of a website. But one of the other frequent ones is violation of the Fair Debt Collection Practices Act (FDCPA). This is a law that prohibits letter from calling you before and after certain times, and it was them from ever contacting you again once you have retained an attorney. But creditors routinely violate this law, and our firm quickly calls them out on it. If your rights under the FDCPA are violated, and if you are receiving any harassing calls or letters from creditors, our firm will sue them at no cost to you.

Other laws that creditors sometimes violate are the Fair Credit Billing Act, Credit CARD Act, Truth in Lending Act, Equal Credit Opportunity Act, among others.

Our firm is very passionate about what we do, which is representing and defending our clients in every aspect of the debt/credit equation. By hiring us, you will have a full array of options at your disposal instead of just being told to give up, and file bankruptcy. Our law firm is truly versatile when advising you with debt or credit issues.

In the event that a creditor can establish that you truly owe a debt, and you are not capable of settling for a smaller amount or even affording a small monthly payment arrangement, and you desire to file for bankruptcy, then our firm will gladly help you do that. But don't give up very easily and give them the victory right away. Speak with one of our attorneys first to see if you qualify for our bankruptcy alternatives. And if you don't, then we will gladly help you by filing bankruptcy for you, which we have done for thousands of  clients across our great state.