How a Collection Attorney Can Protect Your Rights When Faced with Debt

If you are facing regular contact from a debt collection service, you might feel overwhelmed and unsure of your legal rights and obligations. In this type of a situation, having an attorney to represent you can help to protect your rights under the law. An attorney can provide you with information and may be able to represent you if you try to settle your debts through personal bankruptcy or other means.

Unwanted Debt Collector Contact

A collection attorney may be able to help you if you are receiving unwanted contact from a debt collector. Collection agencies must abide by the Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission. This law stipulates that debt collectors may not use abusive or deceptive techniques to collect money from you. For example, if debt collectors are contacting you at work and you provided written or oral information for them to not do this, then your attorney may be able to take them to court on your behalf due to violation of the FDCPA.

Communicating with Debt Collectors

Once you have an attorney representing you, the debt collectors must communicate with your attorney rather than directly with you. This means that you can go about your daily life, such as going to work or school, without having to worry about the embarrassment of getting calls or having the collectors show up without warning. Your attorney may keep you informed about information received about your debts, but all contact will go through your attorney.

Payments and Settlements

Your attorney may be able to help you settle debts. By providing your attorney with information about all of your debts, assets and income, you can work toward a solution. In some cases, you may be able to settle with debt collectors by making a one-time payment. In this situation, the matter would go through court and be settled so that you would not have to deal with those debts again. If you declare personal bankruptcy, a bankruptcy attorney may be able to help you sort out and settle your debts through specific processes in court.

If you want to learn more about your rights and what you can do against debt collection agencies, you may schedule a consultation with a collection lawyer such as those from Ruffi Law Offices, S.C.

Sources
Debt Collection, Consumer.ftc.gov
Do I Need a Debt Lawyer?, Debt.org

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Ruffi Law Offices, S.C.

At Ruffi Law Offices, S.C. we understand the business challenges you face every day. We work with you to minimize your risks, protect your interests, and to offer you common-sense business solutions. We assist Wisconsin and out-of-state business clients in the areas of business law, business and civil litigation, real estate, immigration, copyright and trademarks, and bankruptcy.

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