Reviewing Debt Collection Defenses

Debt Collection Miconduct

Possessing a substantial value of debt is a cumbersome liability. One of its unfavorable consequences might be that you are vulnerable of becoming a victim of unfair and abusive collection practices by creditors, for instance, insistent contact done at inappropriate times or places like when you are in your workplace. Debtors may receive reminders through calls or texts so frequently that it becomes intrusive, if not definitely harassing. A creditor or collection agency may even try to contact your friends or family regarding the debt you owe. Correspondingly your loved ones will be disturbed as well, and you, humiliated to them eventually.

Under the Fair Debt Collection Practices Act (FDCPA), this manner of collection is indeed illegal. Nonetheless, it may still be difficult for you to prevent your creditors from harassing you, when there is an absence of legal assistance. That is why, we are here to protect you the best way we could. In common cases, simply having a Rancho Bernardo bankruptcy lawyer representing you is enough to restrain a creditor or collection agency from those collection malpractice. They are aware that a legal professional is cognizant of your rights and the legal recourse available.

Sought-after Legal Counsel in Rancho Bernardo, CA

At Law Offices Of Pamela Kleinkauf, we understand that harassment by creditors or collection agencies does nothing to help you pay your debts, especially when you are already having trouble doing so. We consider such as only an additional stress to the situation and makes it seem harder to address or endure. We, the Rancho Bernardo bankruptcy professionals, will exhaust all means in an effort to bring you swift relief from unfair collection practices, and of course from this cumbersome liability.

We believe it is our legal duty to take action in improving your financial status so that you will no longer need to defend yourself from those kinds of inconvenience. So as to attain this, we will be conducting a comprehensive check of your financial records. As part of the standard of procedure, we will be administering consultation with you regarding your goals and priorities pertaining to this case and the proceeding as a whole. Through these, we can enumerate and explain your possible options and determine which is the most appropriate for your situation in particular. A few of which to choose from are bankruptcy, debt settlement, debt consolidation, or other debt relief approaches.

Consult a Rancho Bernardo debt attorney if you are experiencing debt collection practices that are inflicting you unjust stress.