Debt Collection Defense Lawyers
Being contacted or sued by a debt collector is governed by federal law, the Fair Debt Collection Practices Act, which gives you the right to demand verification and makes a long list of collector tactics illegal. A debt collection defense attorney can tell you whether the debt is even enforceable.
Key Information
Who Needs This
Anyone contacted by a collection agency, served with a collection lawsuit, facing wage garnishment or a frozen bank account, or finding a debt on their credit report they do not recognize.
Common Cases
- Served with a debt collection lawsuit
- Collector calls that violate the FDCPA
- Debt you do not recognize or already paid
- Debt past the statute of limitations
- Wage garnishment and bank levies
- Default judgment entered without your knowledge
Typical Outcomes
The deadline to answer a collection lawsuit is typically measured in weeks and missing it produces a default judgment, so timing matters more than the amount. The FDCPA allows statutory damages up to $1,000 plus actual damages and attorney fees when a collector breaks the rules, which is why many defense attorneys take these cases without an upfront fee.
Learn More
Debt Collection Defense: Your Rights Under Federal Law
What the Fair Debt Collection Practices Act requires of collectors, how to demand verification of a debt, and what to do if you are sued.
When You Need a Debt Collection Defense Lawyer
The situations where talking to a debt collection attorney changes the outcome, and the ones you can usually handle yourself.
What to Expect From a Debt Collection Case
How a collection case actually proceeds, from the first letter through answer, discovery, settlement or judgment.
Debt Collection Defense FAQ
Common questions about debt collectors, collection lawsuits, garnishment and the FDCPA, answered in plain language.
Related Practice Areas
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