Dealing with Creditors
Jacksonville Bankruptcy Lawyers Can Protect Your Consumer Rights
Owenby Law, P.A. represents clients in their negotiations with creditors,
collections agencies, and their representatives. Our lawyers are effective
in stopping credit collection harassment and
negotiating settlements between debtors and creditors. We are an effective and professional team
and are familiar with the federal and state laws governing debt collection,
as well as what constitutes an acceptable compromise to our clients'
Contact us immediately to discuss your financial situation and learn how we can help
with your creditor interactions.
Using an Attorney to Deal with Your Creditors
When you begin to fall behind on your monthly payments, your creditors
are aware that you may wind up defaulting on your debt. All lenders recognize
that this is a possibility when they extend you credit, but that doesn’t
mean that they won’t try to recover as much of the remainder of
your debt as possible.
Creditors may start out with a reminder notice, but will quickly escalate
to phone calls if you do not respond or bring your account current. Credit
collection practices are regulated by state and federal law, but collections
agents will often bend or break the rules. At Owenby Law, P.A., we make
sure that our clients are not harassed by debt collectors, and our attorneys
hold lenders accountable for the actions of their collections employees.
Retaining the services of an experienced bankruptcy attorney can be beneficial
in several ways:
- Utilizing an attorney lets creditors know that you are taking your financial
When your creditors know that you are represented by a lawyer, they are
aware that non-compliance with
credit collection laws will not be tolerated
- Creditors are more likely to negotiate favorable settlements with an experienced attorney
A credit counseling lawyer with experience in
Chapter 7 and
Chapter 13 can inform you when it is in your best interest to try to continue to
work with creditors and when you should consider declaring
Learn More About Your Options During a FREE Consultation
Our firm understands that facing creditors and debt collection can be an
overwhelming experience. To learn how our experienced legal team can help
you in this process, contact Owenby Law, P.A. for a
FREE consultation. Our lawyers serve clients throughout North Florida from offices in Jacksonville
and Orange Park.