Assistance with Debt Relief Options
If you have been sued by a creditor for a past due credit card or medical bill, a car repossession or a personal loan, the attorneys at Perez Conrique Law can help. Our firm provides aggressive representation against creditors. We will forces the creditor to prove every element of their case against you and assert all defenses available for our clients.
We analyze your case, discuss all options and develop strategic steps to help you recover from debt and rebuild your credit. Your plan will be unique, tailored to your specific situation. With this simple but powerful mission behind our practice, we can help our clients move forward in life in a positive manner. We can provide comprehensive legal counsel and represent you in the following areas:
- Credit Card Lawsuit Defense
- Garnishment Defense
- Debt Reduction Negotiation
- Debt Liquidation
- Debt Reorganization
Our firm is adept at helping people find effective ways to deal with a variety of debt issues. By offering personalized service, the attorneys at Perez Conrique Law offer specifically designed plans for the most optimal resolution to your financial hardships. We offer our legal advice on a variety of resolutions and strategies. No matter what your hardships may entail, consulting a qualified and compassionate Debt Relief attorney who understands the importance of a balanced and stable family home life is vital to your well-being.
Protection from Debt Collectors and Debt Buyers
With the increase in the outsourcing of debt to unscrupulous collection agencies, having an attorney to protect your interests has become important. Collection Agencies and debt buying companies buy bad debt for pennies on the dollar after which they often begin an aggressive and, in many cases, illegal collection process that violates state and federal collection laws.
Consumers have valuable rights that are violated every day by collection agencies and debt buying companies. Often we hear details of repeated phone calls at work or at the home of relatives, threats of legal actions or wage garnishment and even threats of jail time from these companies. All of these activities are illegal under the protections afforded to consumers through the federal Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (CCPA). Unless they understand these rights, consumers are at a clear disadvantage when dealing with these companies.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets limits on what debt collectors can do in attempting to get you to pay a debt. The FDCPA prevents debt collectors from talking to third parties about your debt, calling you at work, and engaging in other tactics designed to harass, abuse, or mislead you into paying a debt. It is important to note that the FDCPA only applies to debt collectors and third party debt buyers—it does not cover collection activities performed by an original creditor.
Florida residents are provided additional protection, however, through the Florida Consumer Collection Practices Act (CCPA. The CCPA supplements the protections provided by the federal Fair Debt Collection Practices Act. The CCPA prohibits both debt collectors and creditors from using certain types of abusive, deceptive, and misleading debt collection tactics.
Exampled of Prohibited Practices in Florida include:
- pretending to be a police officer and acting on behalf of a government agency
- using or threatening to use force or violence
- communicating , or threatening to communicate, with your employer about the debt, unless they have taken a judgment against you
- if you have disputed the debt, reporting, or threatening to report, derogatory information about a disputed debt to a credit reporting agency without also disclosing the existence of your dispute
- contacting third parties about your debt
- harrassing you or your family about the debt
- contact you between the hours of 9 p.m. and 8 a.m. without your permission
- holding themselves out as attorneys, or misrepresenting to you that an attorney is involved
- sending you communications, such as forms and “summons” designed to look like attorney letters or government documents
- using obscene, profane, vulgar, or abusive language when communicating with you or your family
- threatening or attempting to enforce an illegitimate debt against you
Violations of the Fair Debt Collection Practices Act (FDCPA) provides monetary remedies for consumers of up to $1,000 from the creditors.
Debt collectors get away with operating in these illegal and unscrupulous ways because many consumers are not aware of their legal rights or how to enforce them. A knowledgeable consumer debt attorney can defend your rights and can often reduce or eliminate the debt altogether. We can also assist you to recover monetary damages for violations when appropriate If you have been threatened by a debt collector, or have a collection agency attempting to collect a debt from you, please contact my office at 888-510-1255.