Tampa Debt Defense Attorney

When you discover that a creditor or debt collection agency has decided to sue to recover your debts, you are likely overwhelmed and concerned about what this means. A situation like this means you need the support of an experienced Tampa debt defense attorney.  

The Miami debt defense lawyers at Sharmin & Sharmin Attorneys at Law can help you build your defense in the lawsuit to minimize the consequences and keep you protected. We help with cases in Miami, Tampa, and across Florida.

How Can a Tampa Debt Defense Lawyer from Sharmin & Sharmin Help Me?

At Sharmin & Sharmin Attorneys at Law, we have been supporting Florida citizens struggling with debt for more than two decades, and our firm takes a slightly different approach from our competitors. We commonly use federal law to support your client’s cases. In cases of debt defense, we may reference the Consumer Credit Protection Act. This outlines the rights of consumers and limits what debt collectors can say or do. 

We may investigate your case to determine whether they have violated these federal protections, which could undermine their claims and help you reach a settlement agreement or have the lawsuit dropped. Some of the things we look for in these violations include contacting you at odd hours or in inappropriate locations, preventing you from using social media to address your debts or contact us, as well as outlining and prohibiting harassment. 

Additionally, it can be stressful to receive constant calls from debt collectors. When you work with Sharmin & Sharmin, we act as a buffer between you and the collector. Once they know you have representation and how to contact us, they must direct all communication to us, thereby preventing them from contacting you directly.

How Can a Lawsuit Negatively Affect Me?

A debt collection lawsuit can present significant risks, particularly if you fail to address it. When a creditor or debt collector sues you, you are at risk of facing consequences such as: 

• Garnished wages
• Frozen bank funds
• Property liens

If creditors have escalated your situation to the point of a lawsuit, you have likely already faced consequences like a low credit score. We know that this alone can be debilitating, but the above consequences can make it much more challenging to work your way out of the situation. 

Signs That It Is Time to Call a Debt Defense Attorney

It is almost always a good idea to consult with an attorney on legal issues. We understand that some individuals may be hesitant to incur additional fees, but we offer a complimentary evaluation to help you understand your situation and determine your legal options. 

Federal law requires the credit reporting bureaus and creditors to address mistakes on your credit report. If you believe you may be a victim of identity theft that has resulted in fraudulent charges, and you have taken the necessary steps to report these concerns but the responsible parties have not addressed them, it is likely time to contact an attorney. 

Additionally, if you are facing a debt collector engaging in illegal practices, including threatening calls or messages, dishonest or abusive tactics, they have established that they are not operating in good faith, and you need a lawyer to help you manage the situation. 

When A Creditor Files a Lawsuit 

You may have attempted to manage the situation yourself before escalation, through attempts to work with the creditor or collection agency, or maybe you have tried ignoring them. However, regardless of previous engagement, if they have moved to a lawsuit, it is time to discuss your situation with an attorney.