Debt Collection Issues

Debt collection defense consists of using both federal and state laws to defend debtors against unlawful collection practices or improperly filed suits. Several collectors threaten or harass a debtor in an attempt to strong-arm the debtor to pay a debt that may not even be valid. Consumer protection statutes were enacted to prohibit such behavior and can allow for the recovery of damages and/or attorney fees.

Many collectors resort to unlawful tactics in order to pressure consumers to pay debts. These efforts often cause the collector to reduce the claim or eliminate it entirely. In many cases, our client can actually recover money from the collector due to the violation of the consumer’s rights.

Other times a lawsuit is filed by a party who lacks standing (doesn’t have an interest in the case) or by a party that can’t prove they own the debt. Unfortunately, many consumers don’t recognize these technicalities let alone know how to raise them as a defense. By properly raising these defenses, collection actions can be beaten frequently, either reducing the debt or eliminating it altogether. By hiring our experienced attorneys to evaluate your claims, you can not only stop the annoying collection activities but also probably save yourself money and from debt.