Consumer Debt Collection Defense Attorney in Washington DC and Maryland Prepared to Help You Stand Up to Debt Collectors
Debt collectors are routinely represented by attorneys. Shouldn’t you be too?
Consumer debt is at an all time high, and some debt collectors will stop at nothing to collect money from consumers. The credit card company can also sell its right to collect on the debt to another company called a debt buyer. These debt buyers will then usually try to collect on the debt which in some cases is years old, usually by telephone calls, letters and ultimately lawsuits – even when they are not legally entitled to collect on the debt.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you during consumer law proceedings by controlling what a debt collector can do or say to you in order to collect a debt. It prohibits debt collectors from using abusive, unfair or deceptive practices to collect from you. Learn more.
When you have received a summons for a credit card or debt buyer lawsuit, never ignore the situation altogether or delay dealing with it. Lenders and debt collectors get what is a called a “default judgment” in a large percentage of debt collection lawsuits, simply because no one shows up to defend the debtor against the lawsuit. In many cases, by contacting us immediately you can present a strong debt collection defense that can stop a consumer debt collection lawsuit in its tracks. If you allow the debt collector to obtain a default judgment by failing to make a timely answer to the lawsuit, it will be much harder to avoid consequences like wage garnishment and frozen bank accounts.
Whether you should defend against a debt collection lawsuit or attempt to negotiate and settle with the debt collector depends on the specific circumstances of your case. If you are facing collections actions or have been served with a debt collection lawsuit, even if the debt collector is promising to make a deal with you, please contact my office or send an email to Cathy Braxton at Braxton Legal for a no-cost, no-obligation review of your options. We’ll help you find a solution that can make the situation manageable.