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After spending time on the Debt Defense Law website and reading my blog, consumers often reach out to me by phone or through my online contact form seeking help with their situations involving abusive debt collectors, garnishment, default judgments, or harassment that may violate the FDCPA. I have created a blog to assist consumers in hiring an attorney in their local area to fight debt collectors.
Appoint a specialist
In order to fight debt collectors, it is essential to seek out an FDCPA lawyer specializing in this field. While many people turn to attorneys their friends or family have used for general legal services, it is critical to recognize the importance of finding a specialist in this area. Just as you wouldn’t ask your family doctor to perform surgery, you shouldn’t rely on a general attorney to handle your debt defense case. Look for an attorney who routinely practices in the field and has experience handling cases similar to yours.
Begin keeping detailed records
When clients contact my office, regardless of their location, it is advisable to start keeping detailed records, notes, and voicemails related to the debt collectors they are dealing with. Not only can this serve as evidence in court if needed, but it can also increase the chances of a busy FDCPA attorney in their area taking their case. By presenting well-organized and detailed records during the consultation, the attorney is more likely to trust that the client is willing to put in the effort needed to gather proof of harassment or abuse.
Do not wait till it gets really late
If you’re reading this, it’s likely that you’re feeling stressed about a debt collection issue. Perhaps you’re being harassed by collectors, experiencing wage garnishment, or have received a summons. Whatever the case maybe, it is essential to take action right away. Don’t wait, ignore the issue, or hope it will simply disappear. Instead, contact an attorney immediately. They can provide valuable insight into your situation, including how serious it is, what actions you need to take, and how quickly you need to act. Additionally, just meeting with an attorney can help relieve some of the stress associated with your case.
An attorney is your only way
There are plenty of resources available online for consumers facing debt defense issues that provide excellent advice. Some of my clients are knowledgeable and well-versed in the procedures, statutes, policies, and case law and can present a strong argument in court. However, I still recommend that you consult with an FDCPA attorney. There are subtle yet significant advantages to having legal representation. FDCPA lawyers deal with these battles’ day in and day out. They know the key players involved in the process and are familiar with the judges in the courtrooms. Based on their experience with hundreds or even thousands of debt defense cases, they can provide advice on the best and worst-case scenarios. In some situations, an attorney may even waive their fee.
