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
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Credit Card Problems West Palm Beach & Credit Card Defense in Boca Raton, Fort Lauderdale and Miami

Learn More About Credit Card Defense in West Palm Beach, In This Short Article

How much can you learn about credit card defense from one single and very short article? Read this blog post until the end and you’ll see.

If you live in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach then you probably already know some things about credit card defense. You will need defense if or when a credit card company files a lawsuit against you, for credit card debts. It is now common practice for these companies to sue individuals over credit card problems in West Palm Beach. One common mistake that individuals do in this case is they file for bankruptcy, but this is not always the best solution to their problem.

Keep in mind that you may still have some credit card defense options besides bankruptcy. If you ever find yourself having credit card problems, the best advice is to contact an experienced attorney. They may be able to find defenses that you did not know existed.

And here is an extra tip that people are not usually aware of: in most cases the creditors or debt buyers have a very difficult time getting all the required papers to prove that your debt is valid and substantiated. Therefore, without all this documentation, they cannot validate the debt in court and you can easily fight credit card problems in West Palm Beach, FL.

Therefore, if you feel like you need assistance with your credit card defense – whether that is in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach – or if you simply want to keep your creditors at distance, buy some time to pay your debts or stop the harassing calls, contact a professional: a collection defense lawyer is always the best answer in this kind of situations.

Apart from keeping you safe from bankruptcy, lawsuits or credit card problems, a collection defense lawyer can also provide you with the basic understanding of how the system works; they can also offer additional information about your credit card and debt collection situation.

By Adam Baron
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Credit Card Problems and Credit Card Defense in Boca Raton, Fort Lauderdale and West Palm Beach, FL

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.

By Adam Baron

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

Fighting debt with a: credit card defense attorney in palm beach

 

Do you need  a credit card defense attorney in palm beach ?

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 palm beach. 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 when looking for a credit card defense attorney in palm beach .

By Adam Baron

 

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