Student Loan Lawyer in Broward, West Palm Beach, Miami, FL

A student loan lawyer to help you with loan relief

 

An education is important but it can also be expensive. If you need student loan relief in Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach or West Palm Beach then you should speak to a student loan lawyer at Pyzaka.

You may find yourself in the situation where you had to borrow money in order to get the education you need. But now times are hard and work is not always easy to find and maybe you are struggling to meet your repayment commitments.  Well the good news is that you have consumer rights and borrower rights.  So when should you contact a student loan lawyer to enforce your borrower rights?

Are debt collectors harassing you? Do they threaten you with garnishing orders? Do they make threats about tax offsets or social security off sets? Has the loan company instituted legal action against you? Are you unable to meet your repayments? Are you considering bankruptcy?

If you answered yes to one or more of the above you need student loan relief and should consult with a student debt lawyer.

There are laws that regulate debt collection and the main law in the US is the Fair Debt Collection Practices Act (FDCPA).Unfortunately abused and violations of this law are rampant and this is also when it comes to student loans.   A student loan lawyer can help to protect you against such violations and unfair debt collection practices.

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Identity Theft Attorney in Broward, Fort Lauderdale, Palm Beach

What is the difference: Identity Theft Attorney vs. Identity Theft Lawyer?

Identity theft is a form of stealing someone else’s identity usually to obtain access to resources of the person identity was stolen. Many people were affected and it got the most reported offense. It got a billion dollar industry. So it is the identity theft attorney’s business to take care of this for you. Usually people think that attorney and lawyer is the same thing but there is a small distinction between them, especially for the American Barr Association.

Identity Theft Lawyer

Lawyer is the person who graduated law school but did not pass the bar exam. They can give legal advices but they cannot actually practice law, they cannot provide legal representation. In United States of America is mandatory to pass the bar, otherwise they are limited to their education.

Identity Theft Attorney

Attorneys are lawyers too, because they graduated law school but the difference is that they successfully pass the bar exam. Attorneys can act like legal representatives for their clients which mean they practice law in a court of law. They are qualified to investigate, prosecute and defend actions. An attorney is a lawyer, but a lawyer may not necessarily be an attorney.

Identity Theft attorneys say that is it a nightmare to repair the consequences of identity theft. The easiest way for someone to take your identity is through your social security number, birth date, address, phone number or any information that can be discovered. Be careful what kind of information about yourself you give away and to whom. Identity theft attorneys explain that the hardest thing is to prove the identity was stolen in the first place and it can be an overpowering task.

For more information or to get help talk with the local identity theft attorneys in Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach and West Palm Beach.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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