Debt Collection Defense Lawyer Atlanta GA

Working with a debt collection defense lawyer in Atlanta, GA, can act as a person’s first line of defense when contending with matters involving debts and debt collections. Managing debts can be consuming; for some, bankruptcy may be the only plausible way to experience relief from constant calls from creditors attempting to collect a debt. Our team at Hurt Stolz, P.C. can provide legal representation when debtors are looking for relief from all-consuming debts by developing a legal strategy and offering recommendations for moving forward. Most importantly, our firm can play an integral role in stopping calls from collections agencies and holding them accountable should they violate the Fair Debt Collections Act (FDCA). While at times, the party with delinquent accounts may feel as though the harm inflicted against them was their own, know that when creditors violate the consumer’s rights in attempts to retain a debt, it’s possible to take action against them. 

What is the Fair Debt Collection Practices Act?

Also known as the FDCPA, the Fair Debt Collection Practices Act is a law that defines unfair and unlawful practices for collecting debts from someone who is delinquent or in default of their financial obligations. Be aware that while it may seem as though there is no limit to the calls being made by collections agencies, there are limitations and parameters to the frequency of which creditors can make these calls. Our Atlanta, Georgia, debt collection defense lawyer shares some restrictions outlined within the FDCPA:

1. Making threats in an attempt to collect a debt
2. Contacting a debtor outside of the appropriate timeframes
3. Attempting to collect charges in addition to the debt without authorization on a state level
4. Disclosing information about the debts to anyone other than the debtor
5. Misrepresenting the amount of debt that is owed

As someone experiencing financial challenges and subsequent calls from collections agencies, it’s best to seek counsel from a legal professional for the guidance you deserve if you believe you are being mistreated. 

Reasons to Hire a Lawyer

The process for moving forward may seem murky for those dealing with berating calls from collections agencies. Debtors should take two key steps. Firstly, no one should suffer from such challenges with no way out, and it’s essential to seek guidance from a lawyer and financial advisor to discover the possible options for getting out of debt. For some, bankruptcy may be the most viable option. At the same time, debtors who believe their rights have been violated under the FDCPA must consult with a lawyer for the best way to move forward. These cases can be complex and involve intimate knowledge of the legal process. Our firm can provide support by doing the following: 

• Assist with filing a complaint against the creditor with the Consumer Financial Protection Bureau
• Ensure that the necessary paperwork is filed 
• Support with managing negotiations on behalf of their client
• Answer the many questions victims will have regarding the process
• Determine a legal strategy and whether victims have suffered damages 

If you believe you have had your rights violated, it’s best to gather as much evidence as possible to support the claim. Our team from Hurt Stolz P.C. can assist with the process of determining how best to move forward. Contact our Atlanta, GA debt collection defense lawyer today for the representation you can rely on and to ensure that your rights are protected!