Drowning in debt? You’re not alone. Creditors can be relentless with calls, letters, and even debt lawsuits. At Heston Law Firm, we’ve seen it all. We know the tactics creditors use, and we know how to fight back.
A strong and strategic defense can make all the difference. Contact Heston Law Firm today for a free case consultation. We’re the debt defense lawyers who will fight for you.
Understanding the Debt Collection Game
Whether it’s from credit cards, medical bills, or loans, debt can quickly spiral out of control. But understanding how debt collection works is the first step to taking control.
Creditors have a right to collect what you owe, but they have to play by the rules. That’s where the Fair Debt Collection Practices Act (FDCPA) comes in. The FDCPA is your shield. This federal law protects you from abusive and unfair debt collection tactics. It prohibits things like:
- Harassment: Creditors can’t call you at unreasonable hours, use obscene language, or threaten you with violence.
- False Statements: They can’t lie about the amount you owe, claim to be attorneys or government officials, or threaten actions they can’t legally take.
- Unfair Practices: They can’t try to collect more than you owe, contact you at work if you’ve told them not to, or deposit a post-dated check early.
But even if they play by the rules, ignoring your debt won’t make it go away. Unpaid debts can lead to lawsuits, wage garnishment, and damage to your credit score. So, what can you do? Keep reading to find out.
Fighting Back – Debt Lawyer Defense Strategies
If you’re already facing collection attempts or even a lawsuit, it’s time to take action with the help of an experienced debt lawyer. Here’s how to mount a strong defense:
- Respond, Respond, Respond: Never ignore collection letters or calls. Respond within the given timeframe, even if you can’t pay the full amount. This shows you’re taking the matter seriously and opens the door for negotiation.
- Validate the Debt: Don’t just assume the amount they claim is correct. You have the right to demand debt validation. This forces the creditor to prove they have the legal right to collect the debt and that the amount is accurate.
- Know the Statute of Limitations: Debts have an expiration date. This “statute of limitations” varies by state and type of debt. If the time limit has passed, the debt is considered “time-barred,” and they can no longer sue you.
- Get a Lawyer On Your Side: Navigating debt collection and lawsuits can be complex. A skilled debt defense lawyer can:
- Analyze your situation: We can review your case, identify potential violations of the FDCPA, and advise you on the best course of action.
- Negotiate with creditors: Lawyers are experienced negotiators and we can often secure better terms than you could on your own.
- Represent you in court: If you’re sued, your lawyer will protect your rights and fight for the best possible outcome.
Take on Debt Lawsuits with an Experienced Debt Lawyer
At Heston Law Firm, we’ve helped thousands of people just like you. Our experienced debt lawyers know the system inside and out. We’ll fight for your rights, negotiate with creditors, and protect your future.
Don’t wait until it’s too late. Contact us today for a free consultation and let us help you build a strong defense against aggressive creditors.
