Whether you are having trouble paying back your credit cards, medical bills or other debt, you may need to hire a debt collection attorney Edina, Minnesota. These attorneys are trained to help you deal with creditors and can fight to get you the money you deserve. However, if you aren’t sure if you need a lawyer, here are some tips to help you determine if it’s the right time to hire a lawyer.
Defend your rights
Defending your rights when you are being sued by a debt collector can be frightening. However, it is important to be aware that you have certain rights. You can contact the NYC Financial Justice Hotline for individualized advice. You can also hire a defense attorney to protect your rights.
Your first step should be to consult an attorney. If you do not hire an attorney, you may be liable for the debt collector’s attorney fees, as well as the judgment amount. You should always be sure to ask about the fees before hiring an attorney. If you choose to hire an attorney, make sure the attorney is able to win your case.
Another important step you can take to defend your rights when you are being sued is to file a counterclaim. A counterclaim is a claim against the creditor. A counterclaim is usually a claim for money damages. If you don’t file a counterclaim, you risk losing your lawsuit and the debt collector winning the judgment.
Avoid being taken advantage of
Taking the time to learn about your debt collection options can help you avoid being taken advantage of. There are many ways to dispute a debt, such as disputing the original creditor’s name, asking for a payment arrangement, and a lump sum payment. But in the end, you will have to settle the matter.
A debt collection attorney can also offer legal assistance. If you receive a court judgment, the collector has the legal right to seize property to pay off the debt. If you believe that your debt collection attorney is doing something illegal, you can report them to a federal agency. However, you should know that laws change often. The best way to avoid being taken advantage of is to educate yourself about the law.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits how collectors can collect on your unpaid bills. The law prohibits collectors from using obscene language, threatening violence, and contacting you with an attorney. Likewise, a debt collection attorney cannot lie about your debt.
Keep a log of your contacts
Keeping a log of your debt collection activities may sound like a sleazy business practice, but it actually can be a useful tool. You can also use the same log to document any inconsistencies in your collector’s statements.
There are many ways to keep track of your debt, from recording your telephone calls to writing down all correspondence. The best way to do this is by using certified mail. Keeping a log of your debt collection activity can be as simple as keeping a notebook handy or as complex as a digital spreadsheet. However, keeping a proper record will help you track and monitor your debtor’s behavior and avoid being blackballed by unscrupulous collectors. This will allow you to negotiate a better deal with your creditors and thereby keep a better handle on your finances.
You may want to call your local legal services office to find out if they can assist you. Most offices aren’t equipped to tackle such matters, and if yours isn’t, you may be referred to a different agency.