The holidays are in full-swing and it is a time of joy and merriment for most – yet a time of dread for anyone drowning in credit card debt. With gifts to purchase and end of year bills due, you might find yourself stressed and overwhelmed at the thought of ever paying those lines of credit off. The dreaded phone calls from creditors looking to collect often add to the mounting stress of the season.
If you find yourself in this situation and aren’t sure where to get help, an experienced debt defense lawyer can prepare a strategy and protect you from receiving those incessant creditor calls.
The following are signs you may need help from a Florida debt defense attorney:
- Creditors frequently calling your home or workplace
- An inability to pay back loans at the present time
- Threat of lawsuit from a creditor
- Unfair treatment by collectors
What Should I Expect When Working with a Debt Defense Lawyer? When you make a decision to work with an attorney who is familiar with the Florida laws and has experience handling debt defense, you can expect to pay back the amount you borrowed or possibly less if your attorney is able to negotiate the total down. A debt defense attorney is the best defense from being taken advantage of, so when the phone calls and harassment for payment get to be too much, they will be able to help you.As a debtor, you have rights available to you no matter what amount you currently owe. While collection agencies may have a right to collect money owed, if they engage in unlawful behavior, you have the right to hold them responsible if they subject you to abuse, disrespect, or lies. Because of certain laws, such as the Fair Debt Collection Practices Act (FDCPA), you may be entitled to a cash settlement and the Florida Consumer Collection Practices Act (FCCPA) may entitle you to recover money for any actual damage collectors cause, and the court may award an additional penalty of up to $1,000.00.
If you have questions about your current debt situation and would like guidance from an experienced debt defense attorney, contact Olivero Law, P.A. today. We can help you alleviate some of the stress you are going through and get you back on track with your finances.