Orlando Debt Defense Attorney

Finding out that a creditor has filed a lawsuit against you for an unpaid balance can be unnerving. When this happens, you need the support of an experienced Orlando debt defense attorney. Whether you have unpaid balances rightfully incurred or you are the victim of identity theft, you deserve legal representation to protect your interests.

The Fort Lauderdale debt defense attorneys at Sharmin & Sharmin Attorneys at Law will help you build a case and protect your rights as a consumer across Florida. 

How Can an Orlando Debt Defense Lawyer Help?

There are several benefits to an Orlando debt defense lawyer. Among the most helpful is the fact that you have someone to represent you in court or help negotiate a settlement in the face of a civil lawsuit. Sharmin & Sharmin Attorneys at Law has been supporting Florida citizens struggling with debt for over 20 years. 

Our firm commonly uses federal law to support our clients’ cases. The Fair Credit Reporting Act is part of the Consumer Credit Protection Act, which outlines the rights of consumers and limits what debt collectors can say or do. This includes preventing them from contacting you at odd hours or in inappropriate locations, preventing them from using social media to address your debts or contact you, as well as outlining and prohibiting harassment. 

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, rather than to you. 

What Are the Risks of a Debt Collection Lawsuit?

A debt collection lawsuit can present significant risks, particularly if you fail to address it. If your situation has progressed to the point of a lawsuit, you have likely already faced some of the consequences, such as a poor credit score. 

However, when a creditor or debt collector sues you, you are at risk of facing additional consequences such as: 

• Garnished wages
• A lien on your property 
• Frozen funds 

Working with a debt defense lawyer can help you avoid or mitigate these risks. 

When Should You Hire a Debt Collection Defense Attorney?

Whenever you face a legal issue, it is wise to consult an attorney. However, many things may happen that indicate a debt collection defense attorney is vital to protecting your interests, even before you face a lawsuit. 

Failure to Address Inaccuracies 

Creditors and the credit reporting bureaus are required to address any inaccuracies on your credit report. If you have taken the steps to report these concerns and they have not been corrected, it may be time to contact an attorney. 

Illegal or Deceptive Practices 

If you are facing a debt collector engaging in harassing practices, including threatening calls or messages, dishonest or abusive tactics, or other illegal means, you need a lawyer to help you manage the situation. 

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. Our team at Sharmin & Sharmin is available for a free consultation to help you understand your situation and identify your options.