Do You Need a Debt Collection Attorney?
Debtors often feel dread hearing from a debt collector seeking money. Contrarily, creditors also hate then debtors dodge their calls. If you currently experience either situation, you’ll likely need assistance from a legal professional familiar with debt collection state laws in Aventura.
What do Debt Collection Lawyers do?
A debt collection attorney represents creditors, as well as debtors. This lawyer can help you devise strategies to either get your loaned money back or to protect those in debts from overzealous creditors. They will also help you organize and handle your paperwork, in addition to representing your best interests in court.
If you currently experience debt, some signs that you may require a debt collection lawyer familiar with debt collection state laws in Aventura include:
- Frequent calls from creditors at your home or place of business
- An inability to pay back loans or other debts
- Lawsuit threats from creditors
- Unfair treatment by collectors
A debt collection attorney may also help to reduce and eliminate loans. This will help you avoid debt collectors. Alternatively, if you need to gain repayment from a debtor, a lawyer can strategize the best course of action to reclaim your money. Attorneys well-versed in debt collection state laws in Aventura is the best possible solution to virtually any legal debt needs.
Many of these legal professionals will charge an hourly rate, and some even operate on a contingency basis. This means you don’t need to pay a dime until you achieve success. However, the attorney will take a percentage if the case is ultimately in your favor.
What to Expect Working with a Debt Collection Lawyer
As a creditor, an attorney familiar with debt collection state laws in Aventura can help you develop and enact a plan to get your money back. If the case reaches the courtroom, the timeframe and amount likely depend on the judge’s ruling. If you can negotiate outside of court, you and the debtor can settle on your own terms.
As a debtor, the outcomes remain the same. Nevertheless, instead of receiving money, you should expect to pay back the amount you owe, or possibly less if your attorney can negotiate the amount due to the creditor.
Regardless of which part you represent, ultimately the matter will reach a resolution in the end. The best news for either party is that they will no longer need to both one another ever again. A debt collection attorney is the best option to avoid one party taking advantage of the other. If you feel you cannot handle a creditor or debtor on your own, hire an attorney to utilize debt collection state laws in Aventura.
Creditor Harassment Issues
Debt collectors must be extremely careful concerning who possesses information about a debt. They cannot simply inform anyone about a debt. This might include their children, neighbors, family, and even co-workers.
Once the debtor tells the collector they cannot call their cell phone, they can no longer make these calls. If they do, this is a violation of the debtor’s rights, potentially entitling them to damages for their frustration.
Additionally, debt collectors cannot call debtors at their work if it is inconvenient, or the employer prohibits it. Debt collectors wield the right to contact other people once, and only once to locate a debtor. They additionally cannot lie to the debtor stating rights that they do not actually possess.
A collector may make remarks advising consumers that they cannot discharge debts. However, in many cases, the debtor can discharge the debt through bankruptcy. Creditors also cannot call a debtor once they retain the services of an attorney.
Although these protections protect the consumer, they remain important for creditors to consider. Debt collection is difficult, and many times opportunistic collectors will stray from debt collection state laws in Aventura.
The Law Offices of Paul A. Humbert, P.L. – Debt Collection State Laws in Aventura
When you need debt collection or defense services, the Law Offices of Paul A. Humbert, P.L. bolster your case. Our team will work with you towards cultivating an effective strategy that is both cost-efficient, as well as likely to succeed.
We specialize in debt issues on both sides of the negotiating table. Numerous banks and financial institutions of varying sizes, in addition to individuals in need, seek out our legal assistance. Our firm takes pride in representing a crucial resource for both debtors and creditors.
The Law Offices of Paul A. Humbert, P.L. guides individuals in need through the often convoluted maze of Florida debt collection law. By utilizing a variety of legal remedies, we can ensure our clients optimize their chances of a successful outcome in court, or in negotiation. This might include writs of garnishment, execution, and levies of real estate or personal property.
Alternatively, we negotiate on behalf of debtors, helping them achieve the best deal possible. Many times, creditors will willingly work with a debtor. After all, the ultimate goal is loan repayment in as easy a process as possible.
Paul and his firm regularly act in these cases concerning debt collection state laws in Aventura, as well as throughout the South Florida community. For more information on how our firm can help you as a debtor or creditor, contact the Law Offices of Paul A. Humbert, P.L. today. The focus of our firm is acting as an archetype for our clients’ best interests, debtor or creditor.