If you’re facing a credit card lawsuit or a creditor is suing you for non-payment, you may need to hire a debt collection defense attorney. Whether you should do so depends on whether the creditor has a strong case, how much defending the lawsuit will cost and whether you can pay the debt. If the amount you owe is small, it is cheaper to simply pay it off instead of hiring a lawyer. However, the creditor may ask for more money for expenses when you go to court. Given all the nuances that could be involved in such cases, it’s best to at least get some advice from a civil litigation lawyer.
On the other hand, if debt collectors are breaking the law while trying to get you to pay, you definitely need to hire a debt collection defense attorney. If you’re being harassed or threatened, you should file a counterclaim. Whether you have a strong defense to the lawsuit or a counterclaim, an attorney can help you to save money.
We’ll Help With Your Countersuit or Debt Collection Defense
If the charges against you are unfounded, you need to mount a debt collection defense. However, even if you owe money, you shouldn’t accept harassment from a debt collector. You can and should stand up for your rights. Filing counterclaims for illegal conduct makes collectors less likely to use such methods in the future. Also, you can get up to $1,000 in compensation if a collector violates the Fair Debt Collection Practices Act (FDCPA). You also have protection under the Colorado Uniform Consumer Credit Code.
Are collectors threatening to arrest you or put you in jail if you don’t pay? Your rights are being violated and you need to hire a lawyer.
Are collectors using abusive language when they call you? They are violating your rights and you should call an attorney.
Are collectors contacting you at work even though you told them your employer doesn't like it? Are they talking to someone other than your spouse about your debt even though you didn’t give permission? They’re breaking the law and you need to get legal representation. If the caller is threatening you with violence, you definitely need a debt collection defense attorney.
Our experienced lawyers will assist you throughout the debt collection lawsuit process. Even if you’re not sure what you’re experiencing is illegal, we’ll listen to your concerns and advise you. When you sue a collector for FDCPA violations, you may be able to recover damages for distress and lost wages if you’ve had problems at work because of the calls. The court may also award your attorney’s fees and costs.