West Palm Beach 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 West Palm Beach 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 Florida debt defense attorneys at Sharmin & Sharmin Attorneys at Law will help you build a case and protect your rights as a consumer. 

How Can a West Palm Beach Debt Defense Lawyer Help My Case?

The team at Sharmin & Sharmin Attorneys at Law has been supporting Florida citizens struggling with debt for more than two decades. Working with us allows us to help you in several ways. One of the most significant benefits is that we act as a buffer between you and the collector. Once they know you have representation and our contact information, they must stop contacting you and only speak with us. 

Additionally, one aspect that sets us apart from others is that our firm frequently supports our clients through federal legislation. The Consumer Credit Protection Act establishes consumer rights and limits the actions a debt collector may take to recover payments. 

Some of these limitations include limiting when and how they contact you, preventing them from using social media to contact you or collect your payments, and defining practices that may be considered harassment. Our team can investigate your situation to determine whether they have breached any of these laws, which may make you eligible to file your own claim against them. 

A Debt Collection Lawsuit Can Be Risky 

When a creditor or debt collector sues you, there are multiple avenues they may pursue to collect the balances they claim you owe that go beyond a low credit score. If you ignore or lose a debt collection lawsuit, you are at risk of facing additional consequences such as: 

• Frozen bank accounts or funds
• Garnished wages
• Property liens 
• Additional court costs 

Navigating a lawsuit on your own can be time-consuming and risky. When you work with an attorney, we can help you identify holes in their arguments and negotiate on your behalf to resolve the situation without going to court. If a settlement is not an option, we will continue to support you by presenting your case to the judge. 

How Do I Know It Is Time to Call an Attorney?

If we are being honest, most attorneys will advise you to begin looking for representation or consultation as soon as you suspect there is an issue. At Sharmin & Sharmin, we offer consultations to help you understand your situation and plan accordingly. The sooner we are involved, the more opportunities we have to intervene on your behalf. 

Some significant indicators that you need legal guidance include threatening or harassing behavior from debt collectors, reported discrepancies or errors that your creditor fails to address, or other violations of the Consumer Credit Protection Act. These may all lead to lasting consequences and an attorney may help you mitigate or avoid these. 

Finally, once you become aware that creditors are filing a lawsuit, you need to consult an attorney. The other party is almost certain to have their own representation, leaving you at a disadvantage if you intend to go it alone.