Queens Credit Card Debt Collections Lawyer
Experienced Bankruptcy Attorney
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.
Lawsuit Due to Credit Card Debt or Other Debt
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.
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.
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
If you believe a debt collector has violated your rights in any way, contact our legal team immediately for effective legal counsel. We can help you get relief from creditor abuse and harassment.
Get Personalized Legal Counsel 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 feel that you are a victim of unfair or deceptive debt collection practices, we can help right the situation. Contact (718) 340-3385 now for reliable advocacy.
I had the pleasure of working with Seni Popat. He is a Top Professional!- I Gie – via Google
Law Office of Seni Popat is the place to get help.- Willie Kornegay - via Google
He is very knowledgeable, professional, helpful and was readily available to guide me and advise me through the filing process.- James Potter - via Google
Seni was absolutely fantastic.- Nicole H. - via Google
Mr. Seni Popat is THE BEST bankruptcy lawyer there is.- Yasmeen Smith - via Google