DEBT COLLECTION DEFENSE
FLAT FEE ATTORNEY REPRESENTATION
Cases taken on a contingency fee or a flat fee.
Debt Collection is a thriving New Jersey industry in this depressed economy.
Many Debt Collectors are predatory.
Many Debt Collectors prey on people's fears with threats and intimidation.
Many Debt Collectors hope you won't question them.
Many Debt Collectors hope you won't seek legal representation.
The story is always the same. You will get a phone call or letter from Debt Collectors, alleging that you owe a debt. You will likely be confused as you've never you've never heard of these Debt Collectors, or their clients, but they are suddenly saying you owe money. The Debt Collectors will try to get you to pay on the spot, and if you don't, may threaten legal action. If you continue to refuse to pay the Debt, these Debt Collection agencies may bring a lawsuit against you.
Whenever you get sued it is a stressful event. Upon recieving notice of the lawsuit, may New Jersey resident simply put it to the back of their minds. They ignore the suit, not knowing that in New Jersey, such action will result in a default judgement against them. The concept of the default judgement is just what it sounds like; you don't answer or show up, therefore the other side wins by default. These can be overturned, but it is most easily done within a year, so if a debt collector has a default judgement against you call a New Jersey attorney today.
If you answer the complaint and go into a New Jersey courtroom by yourself, you are entering a world in which you have no experience and will meet the Debt Collector attorney who is a seasoned professional. You will likely feel like a fish out of water, and in courts all over the state of New Jersey, people make deals with debt collectors because they are scared of being unrepresented at trial.
I've done debt collection in the state of New Jersey. I know how debt collectors work, and I know the weaknesses in many debt collection cases - now turn that experience to your advantage.
At the Law Firm of Kyle Mastro, we believe in Affordable representation for the people of the State of New Jersey, against Debt Collectors. We make sure the Debt Collector prove their case, not only that the debt exists, but that you are the one who owes the debt and they are entitled to collect.
CALL TODAY for a FREE ATTORNEY CONSULTATION (908) 240 7961
FAIR DEBT COLLECTION PRACTICES ACT
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the manner in which those who engage in debt collection may operate.
This law prohibits a Debt Collector from harassing you into paying a debt.
This law prohibits a Debt Collector embarrassing you into paying a debt.
This law prohibits a Debt Collector from threatening you into the paying a debt.
It prohibits a Debt Collector from lying when attempting to collect a debt.
This law applies to Debt Collectors who are NOT the original creditor. There are many companies who operate in the State of New Jersey who buy up debt from creditor (credit card companies typically) at a discount and then attempt to collect the full amount from you thereby making a profit. While there is nothing inherently illegal about this industry, those who engage in this practice are regulated by the FDCPA.
WHY THIS MATTERS TO YOU:
If a Debt Collector breaks one of these rules, YOU have a lawsuit that can be brought against them. The FDCPA, provides for Statutory Damages - this is money the Debt Collector pays you just because they violated the law. It also provides for Actual Damages, so if you were harmed by any illegal actions they took, the Debt Collector may be required to compensate you for harm you suffered as a result of those acts.
The FDCPA also provides for attorneys fees. This means that if I win, the Debt Collector pays my fee. This means two things: 1) I have a very strong incentive to win and 2) YOU PAY NOTHING.
The Fair Debt Collection Practices Act has often been described as hypertechnical, and that description is apt. If a Debt Collector has been harassing you, call my office for a free, confidential consultation. We'll go over your case and see if you have a cause of action; if you do, it's free. If you don't; the consultation is still FREE.
There are no hidden costs, you have nothing to lose so call today for a FREE CONSULTATION : 908 240 7961
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