What types of cases does a collection defense lawyer handle?

A collection defense lawyer handles cases related to collection agencies, such as collection agencies who are trying to collect a debt or other payments. These cases can involve many different types of issues, such as disputes over payments or repayment plans, false, harassing, or threatening behavior from collection agencies, improper communication from collection agencies, or the collection of a debt that has already been paid. In North Carolina, a person who has been contacted by a collection agency may be able to file a lawsuit in order to dispute the debt or to otherwise protect their rights from the collection agency. A collection defense lawyer also can assist in the negotiation of payment plans or repayment agreements with the collection agency, if necessary. Additionally, a collection defense lawyer can help a consumer if the collection agency has violated the Fair Debt Collection Practices Act (FDCPA). This act protects consumers from unethical and harassing behavior by debt collectors. A collection defense lawyer can help you understand your rights under this act, negotiate with the collection agency, and represent you in court if you decide to file a lawsuit. Finally, a collection defense lawyer may be able to assist in cases involving the garnishment of a consumer’s wages in order to collect a debt. A lawyer can review the garnishment documents to ensure that it is legal and then represent the consumer in court if there are any issues. A collection defense lawyer can provide advice and guidance, as well as legal representation, in a variety of collection cases.

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