Debt Relief Options
If you’re in debt, it can affect your life in many ways. Creditors call you. Debt collectors harass you. You need credit for a new home or a car, but you can’t get a loan. You may have even been sued in a collection lawsuit. It can feel overwhelming.
All these issue have solutions, and we help people our clients to find the best one. Here are some of the ways.
Debt collectors and creditors are prohibited from engaging in unfair, deceptive, or harassing conduct the federal Fair Debt Collection Practices Act and the Massachusetts Consumer Protection Act, called Chapter 93A. If you’re a victim of harassment by debt collectors, we can help you assert your rights and stop their disrespectful and illegal calls or letters to you.
If a debt collector has filed a collection lawsuit against you, we can represent you. Debt collectors typically operate as collection “mills” and are willing to settle or dismiss their cases if consumers get an attorney. And, most debt buyers don’t have enough documentation to prove that they own accounts, under the rules of evidence.
Inaccurate or misleading credit reports are unlawful under the Fair Credit Reporting Act. You have the right to obtain your free credit reports every year, to dispute inaccurate credit items, and to receive damages if they aren’t fixed. We can guide you on how to obtain your credit reports to get them fixed, and represent you against the credit bureaus if they won’t fix them.
If your debts are too much to deal with one at a time, we can also help you to get a fresh start by filing for protection under federal bankruptcy laws. Bankruptcy is a fundamental protection provided for in our Constitution. We’ll help you to protect your family by making sure you can keep your retirement, your car, and your home.
We have successfully stopped debt collection harassment, sued major debt collectors in state and federal court in both individual and class-action cases, fixed credit reports, and given our clients a fresh start under the bankruptcy laws. Every problem has a solution. Call us for a debt consultation to see how we can help you.