Queens Credit Card Debt Collections Lawyer

Top-Rated Credit Card Debt Attorneys in NY

Do you have credit card debt? Has your credit card company handed over your case to a debt collection company to pursue payment from you? Before taking any action to resolve your matter, consult our Queens credit card debt collections attorney at The Law Office of Seni Popat.

Call (718) 340-3385 or contact us online for a free consultation with a lawyer for credit card debt in Queens. We also serve Suffolk County, Nassau County, and Brooklyn.

What to Do When a Credit Card Company Sues You

When you don’t pay a creditor such as a creditor card company or a loan company, typically they will send the file to collections or sue you to recover the monies owed. When you are sued, if you do not respond to the court action, the company can take a judgment and then garnish your wages, levy and seize money in your bank account, attached a lien to your property or house and other collection efforts.

• Related: Liens vs. Levies: What You Should Know

Bankruptcy or Debt Settlement to Stop Collections

Bankruptcy is very powerful. It can stop the lawsuit and any collection efforts and wipe the debt out or repay the debt over a certain period of time. Also, if bankruptcy is not right for you, we offer debt settlement. Often times, we can reduce the debt owed to a creditor and settlement the matter even if a lawsuit has been filed resulting in thousands of dollars being saved by our clients.

We can also try to obtain a zero interest repayment plan with a reduce principal. That way you can settlement and not have to deal with the creditors suing you and harassing you.

What Are Your Rights Under the Fair Debt Collection Practices Act (FDCPA)?

The primary federal law that governs debt collection practices in America is the Fair Debt Collection Practices Act (FDCPA). This law covers the collection of credit cards, mortgages, medical debts, and other household debts. It does not cover business debts.

Under the FDCPA, debt collection companies are prohibited from using unfair, deceptive, or abusive practices to collect debts from consumers. When a debt collection agency contacts you, they must provide you with certain information, including the name of the creditor, the amount owed, and your option to dispute the debt.

The FDCPA also includes several specific provisions, including:

• It protects against harassment over the phone or through any other form of contact
• It prohibits disclosure of debts to unauthorized parties
• It bans contact with consumers at unusual times and places
• It grants consumers the right to file a lawsuit against unlawful debt collectors
• It requires debt collectors to contact your attorney instead of you

To learn more about your rights when it comes to creditor harassment, click here.

Put a Stop to Creditor Harassment - Call Attorney Popat

If you believe a debt collector has violated your rights in any way, contact our Queens collections defense attorney immediately for effective legal counsel. We can help you get relief from creditor abuse and harassment.

Get Personalized Legal Counsel for Your Credit Card Debt Now

Whether you are tired of the debt collectors' excessive attempts at getting payment or you want to challenge the reported debt owed, get in touch with our Queens credit card debt collections lawyer. The Law Office of Seni Popat is ready to help you navigate the debt collection process and ensure that your rights remain protected.

If you are a victim of unfair or deceptive debt collection practices, we can help you. Call (718) 340-3385 for reliable advocacy from a credit card debt attorney in Queens. We have offices in Glen Oaks, Hicksville, Deer Park, and Brooklyn.