Plano TX Debt Collection Defense
Attorney John F. Williams, Jr. Counsels on Debt Collection Defense
As an experienced Bankruptcy Attorney I sometimes have a client who needs representation to defend a debt collection lawsuit. This happens because a law firm has determined that the debt is substantial enough to file a lawsuit for the sole intent of obtaining a judgment against my client. This is done in order to memorialize the debt and improve their chances of collecting on the debt.
My Bankruptcy Law Offices can assist with Debt Collection Defense against these lawsuits by filing a response to answer to the lawsuit. The response can provide the client additional time to arrange for an agreeable debt settlement or even get the case dismissed. The creditor will be forced to justify their case and the court may rule in your favor.
In today's economy, with unemployment and rising cost of living, creditors are turning to collection agencies or third-party collectors. They sell the debt so that they no longer own the debt and it permits the collection agency to push for collection. Even though there is nothing illegal about the creditor selling the note to the collection agency, what I find so often is that the new owners of the note can't provide proof of the debt or supporting documents that verify the origination of the debt.
When you hire my law firm I can defend you against these suits. We can demand proof that the debt exists. Our attorneys can make creditors appear in court to show that they are the lawful owners of the note. Many times this leads to the dismissal of the case because the collection agency failed to prove their case. I don't mind playing hard ball with collection agencies. They need to know that they cannot intimidate you especially when you have legal representation.
Many collectors resort to unlawful tactics in order to pressure consumers to pay debts. The Law Offices of John F. Williams, Jr. devote a significant portion of time and resources to defend consumers against unfair and deceptive debt collection practices.
Our efforts often cause the collector to reduce the claim or eliminate it entirely. In many cases you can recover financial damages from the collector due to violation of your consumer rights.
The federal Fair Debt Collection Practices Act (“FDCPA”) provides substantial protections to consumers who are the target of debt collection activity.
We get results for you.
If you need help with debt collectors or questions about Chapter 7 or Chapter 13 bankruptcy, contact the Law Offices of John F. Williams, Jr. today. Call today for your Free Bankruptcy Consultation. I look forward to serving your needs.
