Debt Collection Defense in and around Miami

Know more about debt collection defense

It is common these days to get collection letters or to be served in a lawsuit by a creditor you never heard of before. This happens because creditors sell or assign debts to collection agencies. But the law gives you the right to demand information about the debt; it is called debt verification.

If the collector cannot provide the documentation, you can raise that as defense in a court of law. Debt collection defense does not necessarily mean that you have already been sued.

Request documentation of the debt before you are sued

If a debt collector is contacting you, the Fair Debt Collection Practices Act (FDCPA) provides you with an important weapon – the verification letter. FDCPA gives you the right to dispute the debt or to ask for a verification of the debt within the next 30 days. The collector is obliged to send you the requested information and stop its collection activity. They cannot continue the collection activity until the debt is verified. There is no time limit for the debt collector to respond and they can’t restart calling or writing you demand letters.

Information you will need regarding the debt collection when you are sued

If you get sued by a debt collector the law asks for both creditor and debt collector to have even more information regarding that debt. It is called an “attachment rule” and it means that you have to attach to a copy of the account (or a written contract) the complaint or explain in the complaint why the account it is not attached. If the creditor or debt collector won’t do it the lawsuit can be dismissed.

You can ask the court to require the debt collector to get the information by filling a formal motion with the court. This is called “request to a definite statement”. The creditor must grant the information that contains a copy of the original written agreement preferably signed by you.

Posted in Blog | Comments Off

Credit Card Defense Attorney in Boca Raton, Broward, Fort Lauderdale

How Much Do You Know About Credit Card Lawsuit Defense?


There are a lot of people who don’t get credit card lawsuit defense because they don’t think there is any way that a credit card debt defense company can help them. But if you need credit card defense in Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach, West Palm Beach then you’d better contact an expert lawyer to help you out.

Why don’t people contact credit card defense companies more often?

The main reason is that these people are convinced by the ones they owe money to, that there is no way for them to win a lawsuit. This is not always true. In many cases individuals who got defense against credit card companies won the “battle”.

A credit card debt defense company focuses on protecting individuals from unfair debt collection practices. It can also determine whether the lending practices of collection agencies are fair, or whether they are abusive in any way.

When can a credit card defense company help you?

You can contact such a company if you are in one of the following situations:

  1. You are being sued for delinquent card credit
  2. You are being sued for money that you owe
  3. You are being sued for a debt that you don’t think is yours

You will also need to take into consideration the time you have to contact the credit card debt defense lawyer/attorney. If you are being sued, there are time constraints involved, which determine when you need to respond to lawsuits. The lawyer will need to have enough time to analyze your case before the lawsuit begins.

So if you need help with a credit card lawsuit defense contact a specialist from Pyzaka immediately.

Posted in Blog | Comments Off

Debt Collector Harassment Help in and around Fort Lauderdale

Get Debt Collector Harassment Help


Are you behind paying your bills? It can happen to anyone, but that doesn’t mean that you are eligible to become the target of a debt collector. If you feel that you are going through debt collection harassment, ask for debt collector harassment help from an agency in your area in Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach, West Palm Beach.

Not many people know (or they do, but prefer not to take action against harassment cases – which is something you should never do!), but there are clear guidelines and regulations that specify the correct practices that should be adopted by a debt collector when trying to recover their money.

These regulations are part of the FDCPA, in other words the Fair Debt Collection Practices Act. This act states that debt collectors are prohibited from using abusive, unfair, or deceptive practices to recover their money.

However, keep in mind that the FDCPA does not cover the debts you obtain for launching or running a business. But it does protect you from debt collection harassment if your situation is one of the following:

-          Household debts

-          Personal loans

-          Family debts

-          Auto loans

-          Medical bills

-          House mortgage

-          Credits or loans made on a credit card account

Getting debt collector harassment help from a specialized company will contribute to regaining your peace of mind and focusing on clearing your debt. Just because you are late paying your bills doesn’t mean that you are not doing your best to pay them; it’s just that sometimes life gets in the way…

Collection Defense Lawyer offers debt collector harassment help for people living in Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach, West Palm Beach. Contact one of our representatives now and get professional help to stop a debt collector from contacting you.

Posted in Blog, Debt Collector Harassment Help | Comments Off

Debt Collector Harassment Help in Boca Raton, Broward or Miami

Debt Collector Harassment Help in the event of FDCPA violations

Collection harassment is a violation of the Fair Debt Collection Practices Act (FDCPA) and can be raised as a defense in a credit card action. However that does not always stop bullying debt collectors from harassing you. The harassment itself can be intimidating, disruptive and nerve racking. Fortunately you can get debt collector harassment help.  If you are a victim in Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach or West Palm Beach then you can approach a debt defense attorney such as PYZYKA for help and assistance.

A debt defense attorney knows how to deal with collection agency harassment and will quickly put a stop to it. Then you don’t have to be scared to answer the phone or the door and you can carry on with your normal life without fear of threats and intimidation. Once you appoint a collection defense attorney they collection agency may not contact you directly at all. They have to work through your attorney. If they breach this code of conduct you will be able to counter sue based on FDCPA violations.

The Fair Debt Collection Practices Act specifically prohibits certain actions by debt collerctors. These include

  • Repetitive phone calls that intend to annoy or intimidate
  • Abuse or harass you or your relatives or friends
  • Use of obscenities or bad language
  • Violence or threats of violence
  • Threats of harm
  • Publish you on a list
  • Calling you anonymously

Debt collectors may also not make misrepresentations such as pretending to be an attorney or threaten to do things that are illegal. They also misrepresent how much you owe or employ scare tactics.

If you think you are a victim of such abuse you should contact a debt collection defense attorney immediately for help. Your attorney will put an end to the abuse and you may also be able to sue and if you win the collection agency will have to pay your legal costs as well as damages.

Posted in Blog, Debt Collector Harassment Help | Tagged | Comments Off

Credit Card Lawsuit Defense in Boca Raton, Ft Lauderdale, or Broward

There are many possible rebuttals in a credit card lawsuit defense

If you have credit card problems whether of your own doing or due to some fraudulent activities you can get help from a collection defense lawyer. If you are summonsed to appear in court it will be wise to arrange your credit card lawsuit defense. PYZYKA is a credit card defense attorney serving the people of Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach and West Palm Beach.  If a credit card company or debt collector serves you with a summons you will have a set period of time in which to respond. You will also have to specify in your response what your defense is.

There are many possible defenses that can be raised in a credit card lawsuit. These include improper service of summons, statute of limitations, fair debt collection practices, lack of standing, fraud, bankruptcy, identity theft, mistaken identity or settlement of debt.  Each case is unique and your attorney will be able to advise you regarding the best strategies and option for your credit card lawsuit defense.

For example there are specific procedures and rules in how a summons must be served. If your summons was served improperly you will need to raise that in your response.  You and I will not know these rules but that is why should have a credit card defense attorney. Credit card companies also have a time limit in which to serve a summons. If a creditor fails to file suit within the specified time period you could raise the statute of limitation a s defense, meaning your debt is too old to be enforced.

Whatever the nature of your rebuttal, be it mistaken identity or FDCPA violations, you will be best advised to use the services of an attorney. The law is complex and you have to follow specific procedures and protocols, most of which you will not even be aware of.

Posted in Blog, Credit Card Lawsuit Defense | Tagged | Comments Off

Credit Card Debt Defense When You Need It in Broward or Palm Beach

When you contact a credit card debt defense company from Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach, West Palm Beach you need the assurance that they are committed to respecting and defending the rights of the individual. Therefore, you will want to be sure that the credit card defense company will protect you and your family against harassments or abuse coming from lending agencies.

Situations when you should contact a credit card debt defense company:

  1. You consider you (and/or your family) have been abused by a collection agency
  2. You are being sued by a credit card company
  3. You identified unfair and/or deceptive practices being undertaken by a collection company or a credit card company
  4. You need help with debt settlement
  5. You have a student loan

As you can see, harassment is not the only reason you should consider hiring a credit card debt defense agent. The thing is, creditors are usually experts in using the courts as a deterrent; there have been numerous cases when clients were convinced to pay what the creditor considered fit.

However, if you know your rights and want to defend your case, you can contact a credit card debt defense agent or company to see how they can help you. For example, often times people get sued over debts that are too old to be sued upon. But you can’t know these things, therefore you accept the situation. Nonetheless, if you contact an expert in the field, they can tell you that your debt is too old to be sued upon and therefore your case can be dismissed.

On the other side, even if your case cannot be dismissed, the presence of an experienced credit card debt defense attorney can get you a reasonable settlement of the lawsuit.

Posted in Blog, Credit Card Debt Defense | Tagged | Comments Off

Getting Quick Collection Agency Harassment Help in Broward or Palm Beach

Getting collection agency harassment help is not as difficult as you may think. In fact, there have been numerous situations when the collection agency was even sued by the ones their representatives harassed. If you are from Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach, West Palm Beach and you want to get collection agency harassment help, then read this article.

Harassment is defined as “aggressive pressure”, or “intimidation”. With debt collectors, harassment occurs the moment they go beyond their lawful attributions and start calling you at inappropriate hours, visit you at your work place, use offensive or aggressive language (threats, swears, etc.), and so on.

What should you do to get collection agency harassment help:

First of all, do not get intimidated by what they are doing. Know your rights and stand by them. If the collection debt agency doesn’t back up, it is time to contact someone who has the authority to deal with them. By that, I mean you can contact a collection defense lawyer from your area in Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach, West Palm Beach.

Additionally, if you believe a debt collector is harassing you, the first thing you can do is file a complaint against them. You can file this complaint either online, or by phone call, or by contacting your state’s attorney general.

If you want to be in advantage and get even better collection agency harassment help, then you should keep a clear record of your communication with the debt collector. If you can record phone calls, do it. If you receive abusive letters in your mailbox, keep them and store them in a file.

These records can prove extremely valuable when talking to an attorney or deciding to go to court.

Posted in Collection Practices | Comments Off

Credit Card Problems That Lead to Credit Card Lawsuits in Miami, Fort Lauderdale, Broward or Boca Raton

The main challenge for all those who own a credit card is not to run into debt. Debt is one of the main reasons why credit card lawsuits are issued. Lawsuits are the only solution the bank or the credit provider has to get their money back. And while you don’t risk spending time in jail for not paying your debts, the bank can sue you and it can win. As a result, it can garnish your wages or take control over your property or assets.

The following three credit card problems all lead to or are a result of credit card debt. The only advice you can be given when opting for a credit card is to be very, very, very cautious.

  • Short term loans

With loans it’s easy, especially if they’re short-term. A quick math calculus and you can figure out if you can afford the repayment. A short term loan can get you out of financial troubles quickly, but with it you’re signing up to a new rate.

  • Debt influences your credit score

Running into debt because of your credit card is not uncommon. But it has repercussions into the future. Not only that, but your credit score is calculated taking into consideration other factors such as timely payments. For your credit score to be high you need to  have an account balance under 35% of your available credit limit.

  • Fraud

This is one big problem, because it can definitely make a big hole in your credit card. If you suspect your credit card information has been stolen, inform your card provider immediately.

If you are going through credit card problems and you need credit card lawsuit defense in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach search for a professional, trustworthy company.

Posted in Blog, Credit Card Lawsuit Defense, Credit Card Problems | Tagged , | Comments Off

Fair Debt Collection Practices in Boca Raton and Palm Beach Florida

Did you know that there is an official act of the fair debt collection practices that promotes fair debt collection and establishes legal protection against abusive debt collection practices? The FDCPA is available in the entire country, including Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach.

In other words, the debt collection practices act defines the moral and ethical means through which a debt collector can collect debts. Therefore, the FDCPA clearly states several practices that are considered abusive and must be avoided by all debt collectors:

  1. Calling outside the allowed time frame (debt collectors are not allowed to contact consumers by phone outside 8am-9pm local time)
  2. Contacting consumers in person at their place of work
  3. Threatening consumers with arrest or legal action
  4. Using abusive language, or profane language to determine a consumer to pay their debt
  5. Calling the consumer on the phone repeatedly and abusively with the intent to harass or annoy

These are all big “no-no” for any debt collector, but that doesn’t mean that their hands are tied and they are left with no means of contacting the person in debt. They can still contact you, but they have to obey the debt collection practices. Among these practices are included the following rules:

  1. The debt collector has to identify himself / herself by saying their names and the reason they are contacting the consumer
  2. They have to provide the consumer with the name and address of the creditor
  3. Provide verification of debt
  4. File a lawsuit – yes, debt collectors are allowed to file a lawsuit against the consumer, but they can only do it in a place where the consumer lives. The lawsuit can also be filed in the place where the consumer signed the contract.
Posted in collection defense attorney, Collection Practices, Credit Card Debt Defense, credit card defense, Credit Card Problems, credit cards, debt collection defense | Comments Off

Fair Debt Collection Practices in Boca Raton, Broward, or Palm Beach

Most common illegal debt collection practices

Are you encountering credit card debt problems, and you think that your debt collection agency harasses you, when trying to recover their money? If your answer to this question is yes, then you should continue reading this article to find out what are the most commonly used illegal debt collection practices that collection agencies use.

Even though this might seem like people are exaggerating when being called by a collection agency before 8 a.m. or after 9 p.m., in most countries this is illegal, and is considered a form of harassment.  This happens mainly because there is no reason why they should call you at such hours, rather than if they try to annoy, and disturb you.

Furthermore, a debt collection agency does not have the right of seizing your property, unless of course in the paperwork you signed, you offered them as a guarantee. Pay attention when dealing with this type of illegal debt collection practices, since lots of people end up by selling their goods in order to pay their debt, so the agency will not take over their property.

Threats of physical violence are also forbidden by law, so if your debt collector threatened you that, for example, they will harm someone from your family, or even yourself, you can sue them since this is highly illegal.

There are lots of other illegal debt collection practices, which you can find if you do a little research on the internet, but the best way to protect yourself against them is to hire a debt collection defense lawyer. You should not worry that you will not find one in the area where you live since nowadays their services are available even in areas such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach.

Posted in Blog, Collection Practices | Tagged | Comments Off