Debt Defense Lawyer: 4 Reasons Why You Need One

When you get behind on your bills, it is only a matter of time before your creditors come after you to collect on the debts that you may owe. And when creditors have difficulty collecting outstanding debts, they resort to hiring debt collectors, selling the debt to debt purchasers, or suing you. If you have outstanding debts and creditors and debt collectors are trying to make you pay, you need the support and guidance of an experienced debt-defense lawyer to help you through your legal situation.


A debt defense attorney will be an immense boon to you as you work through your debt problems. Below are four reasons why consulting with a debt-defense attorney is a good idea.


  1. Debt defense lawyers know what you are up against.

    Having a debt defense lawyer by your side as you deal with your debt collectors will put you on equal footing with those who are seeking to collect from you. You likely do not know the ins and outs of debt collection, and you may not know what rights and legal protections you have when it comes to your debt collectors. A debt defense lawyer will be a source of good information, legal advice, and experience that you can tap into and benefit from.

  2. Debt defense attorneys will be able to determine your best course of action.

    Debt defense cases can get complicated quickly, especially if your alleged debt has been bought and sold a number of times. A debt defense lawyer will be able to get to the bottom of the debt claim, and will make a determination as to where the debt came from, whether you paid it, if the statute of limitations on the debt has passed, and help you decide what your best legal strategy will be going forward. Your debt collector might have a claim that is too old to collect on, or may be operating on bad or outdated information, and your lawyer will help you explore all of the options that are available to you.

  3. Debt defense lawyers can determine if you have any claims.

    Based on the facts of your debt situation, you may have claims to make against the debt collector. If you have been receiving harassing phone calls or your request for verification of the debt was never addressed by the collector, you may have a cause of action against the debt collector who is suing you under the Telephone Consumer Protection Act or the Fair Debt Collection Practices Act.

  4. Debt defense attorneys can help you identify your best defenses.

    If the claim against you is within the statute of limitations and the debt collector does in fact have a right to sue you for the debt, then you will need an effective and well-thought out defense strategy. An experienced debt defense attorney can help you assess which defenses are available to you, and can help advise you one which you should choose.


Contact A New York Debt Defense Attorney


If you are in debt and are facing debt collection proceedings, you should never attempt to handle the situation on your own without the guidance of an experienced debt defense attorney. Contact a New York consumer protection attorney immediately. Contact the Bromberg Law Office, P.C. to schedule an appointment.