Debt Collection Defense Attorney
To learn more about debt collection defense tactics, contact an NYC debt collection defense attorney at a law firm today. Learn about the laws governing debt collection and how they apply to you. The state and the federal government both protect consumers by state and federal laws and it’s job as debt collection defense lawyers to aggressively defend your rights in these areas. Let an attorney help you learn more about your rights and what you can do to protect them.
If you think you are up against a relentless group of overly aggressive and relentless debt collectors, you might want to consider hiring a debt collection defense attorney. In many cases, attorneys who specialize in this type of law are quite familiar with the tricks these collectors play on unsuspecting clients. For example, if you have been contacted by a debt collector for the third time in a week and things are becoming desperate, you may decide to seek legal advice from a lawyer. If you have received a Cease and Desist letter, you also may want to contact a lawyer to review the letter and see if there is anything you can do to avoid going to court or having a lawsuit filed against you.
When you start thinking about filing a Cease and Desist letter, you want to find out whether the attorney you choose to represent you has experience working with collections agencies. You may feel uneasy discussing matters with an attorney who is not familiar with the collection practices of your lender or the attorney may advise you to go ahead with a lawsuit even if you’re uncomfortable with doing so. A good debt collection defense attorney will discuss these matters with you carefully and make sure that you feel comfortable before taking any action. If you decide to pursue a lawsuit, you’ll need an attorney to properly file the lawsuit and to obtain your desired results.
Once you do decide to move forward with a lawsuit, you’ll need an experienced lawyer to handle your case and to provide the best defense possible. Most debt collection attorneys work only for the major credit card companies; others work for smaller, less-known creditors as well. When dealing with large, well-known creditors, it’s important to choose a collection attorney who has worked successfully with these creditors and has a reputation for fair and principled practices. Larger creditors may have their own policies regarding who they work with, but it’s important to find a reputed attorney to represent you so you receive the best possible outcome.
One of the first things you’ll want to ask your debt collection defense attorney when he/she is negotiating with your lender is whether or not you will be eligible for chapter 7 bankruptcy. Chapter 7 bankruptcy allows many people who are severely in debt to wipe out large portions of their debts through reorganizing their budget. This reorganization of your budget should include paying off any outstanding loans with higher interest rates before you file for chapter 7 bankruptcy. If you’re currently delinquent on your debts, and if you’re not eligible for chapter 7 bankruptcy, then you might want to ask your attorney if you could be eligible for chapter 13 bankruptcy. Chapter 13 bankruptcy is similar to chapter 7 bankruptcy, but it will be filed using the more formal filing process. Even though you probably won’t be allowed to discharge large portions of your debts immediately after filing, the reorganization plan in chapter 13 bankruptcy can be significantly more favorable for you than your current situation.
It’s important to note that your lawyer must work through your credit card companies to obtain the best possible result for you in the end. If you have a good relationship with your lender, your lawyer will negotiate your debt with the company on your behalf, allowing you to obtain the most affordable payment plan and repayment method. Your lawyer should also try to obtain a temporary freeze on the interest on your delinquent accounts until the case is resolved. If you’re unable to agree on terms, however, you may end up needing to go to court to seek a solution, and a good debt collection defense attorney can help you do this. In addition, there are many professional companies in the industry that can assist you with filing the necessary paperwork and other necessary support.