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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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.
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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.

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Credit Card Debt Defense & Credit Card Defense Attorney in Fort Lauderdale, Boca Raton, Miami and West Palm Beach FL

How to solve your credit card problems

Do you encounter problems when having to pay your credit card debt? If you find yourself in this situation, you should not worry, since there are lots of solutions for this problem. To find out more about Credit Card Debt Defense you should continue reading this article.

The most common defense that most people use when dealing with such problems is improper service of the summons and complaint. When summoning such a defense, you should at first check the laws of the country you live in, so you will be able to determine the requirements. While doing this, do not forget that these requirements largely depend on how much money you owe to your creditor.

However, the best way to defense yourself from any collection agency is by paying your debt. You can even pay only a part of the money you owe, so the creditor will see that you at least try to pay it. Another situation that lots of people find themselves in is when a debt collection agency bought your debt from the creditor, and they were not adequately informed about this, and made their payment to the creditor, instead of the agency. When finding yourself in such a situation, you should ask you collection agency to go and recover the money from the creditor.

In order for a credit card company to drop a lawsuit intended for not paying your debt, you can also go and talk to the debt collection agency that acquired it, and ask to have it recalculated so you will be able to sell it even though your salary was reduced, or if you changed your workplace.

If you still do not know what to do, you can always contact a credit card defense attorney, which will help you deal with all those problems, and can be found almost everywhere, even in areas such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach.

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Debt Collection Defense and Debt Collection Agency Harassment in Fort Lauderdale, Miami, West Palm Beach, Boca Raton, and Palm Beach, FL.

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

Debt collection defense attorneys that operate to give you an advantage against Debt Collection Agency Harassment in Ft Lauderdale, Miami, West Palm Beach, and Boca Raton, FL.debt collection defense Fort Lauderdale

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.

 

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Credit Card Defense & Credit Card Problems in Boca Raton, Broward, Palm Beach, Miami and West Palm Beach, FL.

Common credit card problems

One of the highest satisfaction rates for credit card defense for people with credit card problems is to use an attorney that specializes in Credit Card Debt Defense like The professionals at Pyszka, Blackmon, Levy, Kelley, Rajo & Baron know the laws that exist for your protection. credit card defense Broward

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 the most commonly encountered problems with credit cards are and also how to fix them.

The first problem that most of us encounter, even if you 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.

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

Are You A Victim Of Debt Collection Agency Harassment?

What are the most obvious signs that you are a victim of debt collection agency harassment? What can you do about it?

If you live in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach and want to know how to protect yourself, your family and your business from collection agency harassment, read this article.

The most common signs that you might be a victim of debt agency harassment:

-          You get late night calls from your debt agency

-          The debt agency collectors are calling you day and night

-          You get ultimatums and warnings that you will be sued

-          You got sued for a debt and lost, and now the company is contacting you in a manner that may not be correct

So all in all, if this debt issue keeps you awake at night because of collectors, you can say that you and your family are being victims of debt collection agency harassment.

How can you end this harassment?

A wise answer is to always take a diplomatic approach to the problem. For example, you can write a letter and send it to the company; always make sure that you keep a copy of the letter at home. But make sure that before you sent the letter you did everything in your power to pay the debt: even if you didn’t manage to pay your debt, you should contact the bill collector and explain your situation.

While paying the bill is ideal, we all know this is not always possible. So call the creditors, explain your situation and see if the two of you can come to a compromise. If this doesn’t work, try the letter tip. If you letter doesn’t work either, a letter from your lawyer will usually do the trick.

By Adam Baron
Google Authorship

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