Phoenix Debt Collection Defense Lawyer
Learn more about debt collection defense in Phoenix, AZ, and the Greater Valley Area. Call an attorney at (602) 466-9631 to learn more today.
Protecting the Rights of Phoenix Consumers
Collection agencies can be merciless in their efforts to collect outstanding debt. Some debt collection practices may violate your rights under the federal Fair Debt Collection Practices Act (FDCPA). If you are in debt and continually being harassed by creditors, it is in your best interests to speak with an experienced Phoenix debt collection defense lawyer.
What Is Debt Collection Defense?
Creditors and collection agencies can put an enormous amount of pressure on debtors to get the money they are owed. In some cases, their collection efforts may take the form of harassment. In other cases, creditors may take legal action against individuals who owe them money. A skilled debt collection defense attorney can:
- Protect your rights under the Fair Debt Collection Practices Act (FDCPA)
- Defend you against collection actions of creditors, illegal or otherwise
- Negotiate with creditors on your behalf to settle your debts
- Assist you with other debt relief solutions, such as loan modification or bankruptcy
What Are the Benefits of Debt Collection Defense for Individuals Facing Financial Difficulties?
Consumers are protected from unethical and illegal debt collection practices under the FDCPA. If you are facing financial difficulties and being harassed by creditors, our debt collection defense attorneys can deal with them on your behalf and work to resolve the matter. From the outset, this can give you greater peace of mind.
When debt collection practices are in violation of the FDCPA, we can help you hold responsible parties accountable for the harm they have caused. Using our legal experience and skills to your benefit, we can help reduce the fear and intimidation associated with the legal process, and advocate for your rights and interests every step of the way. We fight to get you the best resolution possible.
What Are Some Common Types of Debt Collection Practices?
Under the law, creditors are entitled to collect debts owed to them, but in doing so, they are required to comply with FDCPA regulations, designed to protect debtors. Debt collectors are prohibited from:
- Contacting a debtor who is represented by an attorney
- Contacting a debtor after receiving a letter asking them to stop
- Impersonating an attorney or a police officer
- Calling repeatedly in a harassing manner
- Calling before 8:00 am or after 9:00 pm
- Contacting a debtor at work whose employer disapproves
- Using threats of loss of security or violence
How Does the Debt Collection Defense Process Work?
Our Phoenix debt collection defense attorneys can do many things to help protect your rights and interests. We can defend you against original creditors and third-party debt collectors who may be attempting to collect more than what you actually owe. We can ensure that creditors comply with the law by properly validating the debts they claim you owe. Our Phoenix debt settlement lawyers can ensure that debt collectors follow the law in attempting to collect a debt from you. If a creditor files a lawsuit against you, we can file a timely response on your behalf. In negotiating with the other side, we can present your situation to the creditor’s attorneys to obtain the best possible resolution.
What Debt Collection Defense Services Does Our Firm Provide?
At Hilltop Law Firm, we offer a range of debt collection defense services, including mortgage loan modification, debt settlement, Chapter 7 bankruptcy, Chapter 13 bankruptcy, and credit repair. We offer a free consultation, affordable rates, and easy payment plans. If you are in a difficult financial situation, with creditors and debt collectors contacting and harassing you, or taking legal action against you, call our firm at (602) 466-9631 so we can meet and plan a debt collection defense strategy.