Your creditors have lawyers, now so can you..

Credit Advocates is a law firm with licensed attorneys dedicated to protecting your rights as a consumer.  As consumer protection attorneys, we fight to protect you against the unfair, deceptive and fraudulent practices of others. We provide legal representation for individuals in need of assistance with their credit and debt related issues as well as assistance to fight and stop unlawful telemarketing practices.

Fighting Against Telemarketers

Are you receiving telemarketing calls even though your telephone number is on the Do Not Call Registry?  Are you tired of your phone ringing just as you are sitting down for dinner?  Are you receiving telemarketing calls at all hours of the night?  Are you tired of answering the phone only to hear someone on the other line try to sell you something?

 

Many people have simply given up fighting back and just repeatedly hang up the phone in disgust.  But it is only a matter of time before the phone rings again with another telemarketer on the other end of the line.  It is time for you to take action and put a stop to these unwanted telemarketing calls.

 

There are Federal & State laws in place that regulate the business practices of telemarketers.   The main function of these laws are to stop telemarketers from making calls that are coercive or abusive of your right to privacy, restrict how the calls are made, the dates and times of the calls, as well as require certain disclosures be provided. Under Federal law, you may be entitled to collect up to $16,000 for each violation.  Additional recovery may be available under State laws.

 

If you are tired of receiving unwanted telemarketing calls, and feel that your rights may have been violated, we encourage you to consult with an attorney to assess your potential claim.  Call us today for a no obligation consultation.

 

Debt Collector Harassment

Our Attorneys help you fight against the unlawful abuse of debt collectors.  There are Federal & State laws in place that dictate the way debt collectors can legally collect an outstanding debt.  However, creditors and debt collectors often ignore your rights and willfully violate these laws. When a debt collector’s behavior reaches the level of harassment, you may be entitled to collect up to $1,000 for each violation.  Additional recovery may be available under State laws.

 

Debt collectors may not call you at work if they know that your employer does not permit such calls.  Debt collectors cannot try to embarrass or shame you into payment by telling your neighbors about your debts.  And debt collectors must stop calling you if you have retained the services of a lawyer and provided the debt collector with your lawyer’s contact information. 

 

Debt collectors knowingly violate Federal & State debt collection practice laws at a disturbingly high rate. Such laws prohibit debt collectors from threatening, harassing, deceiving, lying and implementing other unfair methods of debt collection practices.  If you are receiving calls from a debt collection and feel you have received a call that violates your rights and/or the law, call us today for a no obligation consultation.

 

Debt Collection Lawsuit Defense

Are you faced with defending a lawsuit relating to the collection of unpaid debt?  Credit Advocates provides the legal representation you may need to assist you with your credit card debt and debt related issues. For as low as $99.00* per month, we can be your advocate against your creditors and debt collectors. 

 

If you are faced with a debt collection lawsuit and have received a summons and complaint, it’s important that you respond immediately. You should not simply ignore a debt collection lawsuit as that is the fastest way to receiving a judgment against you and inviting the debt collector to proceed with garnishment.  What you may not know is that many debt collection lawsuits can be defeated (or at least resolved based on terms that you are accepting of). Even if you owe the debt, you may have defenses available to you.  And a lawyer can help raise those defenses on your behalf.  Credit Advocates will fight for you to make the creditor prove their case – which they may not be able to do.

 

If you have been served with a debt collection lawsuit, act now by calling us today for a no obligation consultation.

 

Debt Negotiation / Debt Settlement

Have you fallen behind on you bills and now have an uncontrollable amount of credit card debt and other unsecured debt?  Are you finding yourself delinquent and struggling to keep up with your monthly credit card debt payments, or other unsecured debt payments?  If you answered “yes”, then debt negotiation may be right for you.  And Credit Advocates may be able to help.

 

Credit Advocates will help by evaluating your current financial situation and work with you to establish a budget and savings plan that is right for you. Then Credit Advocates will communicate with your creditors or your debt collectors to negotiate and settle your outstanding credit card debt as well as other unsecured debts.

 

Contact the lawyers at Credit Advocates. Your creditors have lawyers, now so can you!

 

*$99.00 monthly legal fee is non-refundable. Client also responsible for contingency fee equal to a percentage of any net reduction of unsecured debt or fees equal to a percentage of total debt and contingency fee equal to a percentage of any damages recovered for violations of state and federal laws; billing rate of $150.00 per court appearance; and all out-of-pocket costs and expenses including, but not limited to, court and other related costs and traveling and similar expenses. The general materials and information contained on this Website are made available for informational purposes only and are not intended to be legal advice, but merely convey general information related to common legal issues. Your access to and use of this website is subject to additional Terms of Use. Individual results may vary based on individual situations and ability to save sufficient funds. Not all creditors will negotiate unsecured debt. The information on this Website should not be considered as a prediction or guarantee of future results. We do not assume any debts, make monthly payments to creditors, promise a specific reduction in debt, provide credit repair services, or provide investment or tax advice. Please contact a tax professional to discuss tax consequences of settlement. The hiring of a lawyer is an important decision and should not solely be based on advertisements.