Credit Card Defense Attorney in Broward, Miami-Dade and Palm Beach

Fighting debt collector harassment

 

Have you been a victim of debt collector harassment?

If your answer to this question is yes, then by reading this article you will find some precious pieces of advice that can help you forget about all these problems.

Firstly, you should understand what debt collector harassment actually means. If a collector:

  • uses threats or of violence and harm
  • obscene and profane language
  • if they make false statements
  • try to contact you at late hours or when you have already told them that you are not available

… then it certainly is the case of harassment.

They do not have the right to give false credit information about you to anyone, and they certainly do not have the right to make public a list of people who refuse to pay their debt.

If you find yourself in one of the situations listed above, there is no need to worry. The best solution for you to get rid of those problems is to contact a credit card defense attorney. Since there are law firms that offer such services almost everywhere, finding one can be an easy task, especially if you live in areas such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach.

These kinds of attorneys are specialized in this field and can help you fight manipulative credit card collection agencies. Furthermore, since they are specialized in this kind of problems, it is easy to them to fight with the credit card company that sued you, because they already know what they are dealing with, and can rapidly get rid of all the problems and stress caused by such companies.

By Adam Baron

 

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Debt Collection Agency Harassment in Fort Lauderdale, Miami, Palm Beach

An FDPCA attorney will put an end to debt collection agency harassment

 If you are a victim of collection agency harassment then you seek help and assistance from a debt defense attorney. PYZYKA are collection defense attorneys serving the people of Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach and West Palm Beach and they know how to deal with debt collection agency harassment.

Debt is part of our way of life and unfortunately there are companies and agents that get over zealous when it comes to collecting debt.  Fortunately there are laws in place that protect consumers against unfair collection practices. You may find yourself in a debt situation as a result of the unlawful actions of others. Some examples include identity theft, credit card fraud or unauthorised charges.  You may also find yourself in debt as the result of normal economic situations and unforeseen events. Perhaps you have a student loan n but you are struggling to find gainful employment. Perhaps you had a business venture that went wrong. Whatever the reason for your situation, you are still entitled to fair and reasonable treatment and practices.

Dealing with debt collection agencies on your won can be something of a nightmare. Many of them resort to bullying tactics and some might even threaten you. This often leads to a situation where you are afraid to answer the phone, afraid to open the door, afraid they will find you.  You don’t have to live like that and you don’t need to deal with this on your own. You also don’t want to bury your head in the sand in the hope that the situation will go away. You best option will be to consult with a debt defense attorney. They will stop collection agency harassment in its tracks and ensure your credit rating remains intact

An FDCPA attorney specializes in matters of credit card debt, student loan relief and identity theft as well as other consumer debt problems and issues. So get the help and assistance you need today and put an end to debt collection agency harassment.

By Adam Baron

 

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Credit Card Problems & Credit Card Defense in Boca Raton, Broward, Fort Lauderdale and Miami, FL.

Credit card problems and defense options

There are many ways to deal with credit card problems and as a consumer you have rights that are protected by law.  If you need credit card defense in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach or West Palm Beach you can also consult with consumer defense lawyers such as PYZYKA.

If a credit card company decides to sue you they will issue a summons against you. Such a summons must be properly delivered and served else you can assert improper service as a defense.  You should also be aware of the statute of limitations. This means if a debt is older than a specified number of years it expires and cannot be collected. This period varies from state to state and is usually between 3 and 6 years. The statute of limitation for credit card debt in Florida is 5 years.

However, most credit card companies will only revert to litigation as a last resort. Before that they will attempt to collect your debts by other means. You are protected by the FDCPA (air Debt Collection Practices Act) which prohibits certain debt collection practices. If a credit card company violates these laws, you can site FDCPA violations in your credit card defense.

Another possible defense is a lack of standing. For example if a 3rd party other than the credit card company files action against you, then you can site lack of standing as a defense and the debt collector will have to prove that have a right to sue you.

If you face credit card problems as a result of fraud, identity theft or unauthorized charges you should notify the credit card company immediately. In cases of fraud or identity theft you should also report the matter to the police and keep all documentation as evidence.

Whatever your situation, you can always get help and assistance from a credit card defense attorney. This is often the best decision, especially when you cannot reach agreement with the credit card company.

By Adam Baron

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Credit Card Problems & Defense in Miami, Ft Lauderdale, Palm Beach

Common credit card problems

 Have you encountered credit card problems and you do not know how to fix them? If your answer to this question is yes, then by reading this article you will find out what are the most commonly encountered problems with credit cards and also how to fix them.

The first problem that most of us encounter, even if they live in areas such as Miami Fort Lauderdale, Broward, or even Boca Raton, Palm Beach, and West Palm Beach, is having lots of late payments on their credit card report. This problem, even if it refers to late payments or missed payments, cannot be fixed fast. So you need to have lots of patience; but eventually you’ll see that everything will sort out. The only way to get rid of it is to respect the deadline of the following payments over a long period of time. This way, usually after six or seven years, they will disappear from your credit card report.

Another issue that is very common nowadays is having high credit card balances. This problem causes your credit score to drop considerably, in most cases if your balances are most of the time over 75% of your credit limit. The best solution to this problem is to keep your balance at 50%, or if possible, do not carry any balance at all. This way, your score will increase, along with your credit card limit, since you will not be considered a greater risk than anyone else.

Finally, having a late payment is also very common among credit card problems.  This problem is not a great one, if you only have two or three missed payments a year. Keep in mind though that if you repeatedly miss your payments, your credit card company will start asking you what is happening, and also your credit score will decrease.

By Adam Baron

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Debt Collection Agency Harassment in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach

Here’s how a debt collection agency operates to your advantage

 Have you ever thought what does a debt collection agency do? If you want to know about what this job involves, you should continue reading this article.

First of all, we should know that most of these agencies, even those located in areas such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach, work on a third party basis. They work most of the times for banks, but their services are also useful for auto lenders, doctors, hospitals, and also small businesses.

Debt collection agencies, usually compete with debt buyers, who essentially do the same thing as them, the only difference being how they act. They are mainly used to return the value of a credit account to the creditor. The main difference between them is that, as their name states, one collects debt, whereas the other one buys it.

Those who collect debts have to be very careful regarding the way they act. This happens because lots of them do not know what they are allowed to do and what not, and in many cases, this process of collecting debt ends with a lawsuit, because the owner of the credit feels harassed.

They are usually forbidden to:

  • Use threats
  • Use obscene language
  • Call someone repeatedly, in order to irritate someone
  • Tell you that if you will not pay your debt, the will seize or take any of your property, unless this can be done on a legal basis
  • Tell you that you will be arrested

In conclusion, we can say that the work of this agencies is not that simple, even though lots of us think that they only need to collect some money from individuals.

By Adam Baron

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Credit Card Problems in Plam Beach, Miami, Boca Raton, Fort Lauderdale

Credit card defense attorneys can help with credit card problems

As useful as credit cards are they can also become a source of difficulties, problems and even down right nightmares.  Credit card problems can arise in different and with different consequences. Some credit card problems can be of your own doing and other can be as a result of some else’s wrongdoing. Credit card problems often result in harassment and unethical collection methods.  Sometimes it can be a very difficult battle to fight on your own and in such situations you should seriously consider credit card defense.

Pyzaka are credit card defense attorneys serving the communities of Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach and West Palm Beach.

Credit card problems can arise when you apply for too many cards and lose track of your spending. Regularly switching between cards and using one to settle the other can have a negative impact your credit rating. So discipline is very important when you use credit cards and you should always try and remain within your budget and settle your balance on time. But often credit card problems are not always of your own doing.

Credit card fraud is a huge problem. You can take certain steps to reduce the likelihood of your card details being compromised and thereby avoid the situation where you will need credit card defense.  You should always be careful with your card and keep it in a safe place.  Keep your pin a secret; that means don’t share it with anyone. When paying for goods keep your card in sight to avoid it being skimmed.  When buying online try and use an online verification scheme. If you think your credit card details have been compromised any way, you should inform your credit card provider immediately. They can cancel it and issue a replacement.

However if despite your best efforts you become a victim of credit card fraud, identity theft or unauthorized charges, you could find yourself in a situation of dispute with your card provider. If the card provider or their agents start to harass you, you should seek the help and assistance of a credit card defense attorney.  They know how to deal with these matters and they will stop the harassment and protect your credit rating and good name.

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Credit Card Debt Defense in Miami, Palm Beach and Fort Lauderdale

Credit card defense attorney will help you solve ugly collection disputes

Credit cards are useful for making payments but sometimes thing go wrong and you can find yourself in a predicament. This could be due to credit card fraud, identity theft, credit card theft, unauthorised charges, overspending or even a mistake on the side of the credit card company. When you find yourself facing these problems you will soon learn that credit card defense can be a difficult and unpleasant experience. If you need help you should contact a credit card defense attorney. Pyzaka provides credit card and consumer defense services in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach and West Palm Beach.

Collection disputes and credit card issues can result in harassment and other unethical debt collection practices. Big credit card companies often use collection agencies to try and recover money they believe are due to them. These collection agencies are not the most polite people and they can often turn your life into something of a nightmare. You don’t have to be a victim of unfair, deceptive and unethical collection procedures and practices.

A FDCPA attorney knows how to deal with bullying and threatening collection agencies. And in cases where the credit card company or collection agency is guilty of harassment or other unethical practices, you can claim your attorney fees as well. Whatever your credit card problems you need to act fast. There are time-limits and you have to adhere to them in order to keep your side of things clean and correct.

Whether you are being harassed, sued or otherwise traumatised as a result of some collection dispute, you need to act and ask for the assistance of a credit card defense attorney. Matters such as identity theft and credit card fraud can get ugly and even result in damage to your credit score. Rather have a professional FCDPA attorney deal with the matter. This way you have less stress, less intrusion in your life and a better chance of keeping your name and credit score intact and in good standing.

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Fort Lauderdale and West Palm Beach Credit Card Problems

Commonly encountered credit card problems

Nowadays, along with the increase in the number of people who own a credit card, there is also a noticeable increase in the problems that these cards create. That happens even in areas such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach.

Among the most common credit card problems there is the refusal of a person who owns a credit card to pay their debt. This affects lots of companies out there that offer such services, and because most of them contact debt collector agencies, who usually tend to harass the cardholder, this problem usually ends in a law suit between the credit card company and the client.

Another frequent problem is caused because companies do not update the information about their customers in time, or simply mistaken the identity of a person, which also tend to end in a lawsuit, but this time the final decision will be in favor of the credit card holder.

Last but not least, maybe the most important credit card problem of them all is our increasing need of money. This causes lots of people to overspend, without thinking that one day they will have to return the money. Also this problem is a consequence of the increase in the amount of money that one person can receive, taking into consideration his income.

All these problems can be easily solved by paying a little attention on how we spend our money, and also if we keep in mind that everything we spend we must pay back one day. These problems could be also solved if the credit card companies would have a closer connection with their customers, in order to remind them how much money they have to return, and to find out solutions which can make it easier for them to pay their debt.

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Debt Collector Harassment Help: Miami, Broward, Palm Beach, Boca Raton

Fighting debt collector harassment

                Have you been a victim of debt collector harassment?

If your answer to this question is yes, then by reading this article you will find some precious pieces of advice that can help you forget about all these problems.

Firstly, you should understand what debt collector harassment actually means. If a collector:

  • uses threats or of violence and harm
  • obscene and profane language
  • if they make false statements
  • try to contact you at late hours or when you have already told them that you are not available

… then it certainly is the case of harassment.

They do not have the right to give false credit information about you to anyone, and they certainly do not have the right to make public a list of people who refuse to pay their debt.

If you find yourself in one of the situations listed above, there is no need to worry. The best solution for you to get rid of those problems is to contact a credit card defense attorney. Since there are law firms that offer such services almost everywhere, finding one can be an easy task, especially if you live in areas such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach.

These kinds of attorneys are specialized in this field and can help you fight manipulative credit card collection agencies. Furthermore, since they are specialized in this kind of problems, it is easy to them to fight with the credit card company that sued you, because they already know what they are dealing with, and can rapidly get rid of all the problems and stress caused by such companies.

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Credit Card Defense in Miami, Fort Lauderdale, Broward

Credit card defense lawyer solves credit card problems

Credit card problems can arise from a variety of causes and situations. Credit card fraud, identity theft, stolen credit card, internet fraud, incorrect charges and related issues occur daily. Maybe you just overspent and got yourself into a bit a debt trap. Whatever the nature and reason for your credit card problems, a consumer defense attorney can help you.

For credit card defense in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach or West Palm Beach you can contact Pyzaka collection defense lawyers.

 

Credit card debt is expensive and you can soon find yourself in a situation where you are unable to manage the debt. Matters can be even worse if someone uses your credit card or unauthorised charges are debited to your account.  Soon you might find yourself in a collection dispute situation with a credit card company or their collection agencies. A credit card defense attorney will help you with these disputes and protect you from harassment and deceptive collection practices.

 

When it comes to credit card defense you want to deal with a FDPCA attorney who has the experience and in-depth knowledge to effectively deal with your credit card issues. If you are a victim of credit card fraud, identity theft, unfair collection practices or related debt issues you should seek the services of a licensed and qualified collection defense attorney.

 

An FDCPA attorney will ensure you retain a good credit rating, take the pressure off you and protect you from harassment and abuse. There are laws that prohibit unfair collection practices and your FDCPA attorney knows how to use these laws for your benefit.

 

So don’t suffer abuse or further losses due to inaction on your part. Engage the services of a credit card defense lawyer and get the peace back in your life.

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