Your creditor has two options to collect a debt against you. Sue or go to arbitration depending on your state laws.Many times they turn the deliqneunt debt over to a collection agency or collection attorney. Ifyou aresuedoverdebt such as credit cards,medical bills, installment credit or other unsecured debt, you should get help from a debt settlement attorney. Since you are not familiar with credit and debt collection state and federal laws, you won't be able to defend yourself properly and may lose your case. Collection agencies and collection attorneys may take advantage of you or pressure you into settling the matter in their favor and not yours. Hiring a debt settlement attorney increases your chances of having the lawsuit either thrown out or negotiating a more favorable settlement. The attorney is knowledgeable about the Fair Debt Collection Practices Act (FDCPA) and state debt collection lawswhich govern what a creditor can and cannot do in connection with collecting a debt and a debtor's rights and remedies if the creditor violates the laws. The attorney is an expert at debt settlement negotiations and has established relationships with most credit card companies. The attorney will be able to assert proper legal defenses to help you win and/or settleyour case.
A debt settlement attorney can defend you in a lawsuit if you are sued over debt, can negotiate debt settlement with your creditor and help you with credit repair. The attorney can determine ifyour creditor has violated the FCDPA laws or state debt collection laws and can advise of your legal rights and remedies.