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Sixty-nine percent of all citizens in the US feel that debt is a necessity. Generation X carries the most debt of all Americans. The average consumer debt in the nation is about $23,325. You never know when life will take a swing at you and you will be unable to keep up with your debt. A lost job, divorce, and sickness can easily lead to falling behind. That’s when the phone calls start, and the havoc begins.
Are you concerned about your debt? Debt collection can be overwhelming. A Debt Collection Attorney Los Angeles can be a godsend for you if you are having issues with debt collection.
Debt Collection Lawsuits in Los Angeles
Mounting debt is difficult to deal with. You can lose your assets, such as your home. Debt can ruin relationships and put pressure on you to where your health suffers.
If you’re stressed out by debt collections, a LA Debt Collection Lawyer can help. Most debt collectors purchase your debt from the entity you originally owed the debt to. With the help of a legal team, you may be able to resolve the issue by paying a small portion of the amount that is actually owed. Or, your attorney may be able to fight the debt all together.
Another area a Debt Collection Attorney Los Angeles is the harassment you will probably face when you are in debt. There are laws in California that pertain to such matters. An attorney can help you put an end to the nightmare once and for all.
Illegal Debt Collections Practices
In the state of California, consumer debt is a huge problem. Collection companies as well as creditors must follow a very strict guideline in their collection attempts and have to adhere to the process of “debt validation.” An attempt to collect inflated or miscalculated amounts, or that they violate the debt validation process, they can be penalized which means you may get off the hook and be free from the debt.
Illegal practices under the Act include:
- Calling debtors very early in the morning or very late in the evening. Telling debtors that they will be arrested for failing to pay their debt; Using obscene language or other harassing behaviors. Excessive calling Impersonating government representatives, lawyers, or others; and Misrepresenting the total debt owed.
Engaging in any of the illegal practices above may result in the reduction or elimination of the debt that creditors or collectors are entitled to receive. If you have an attorney, he or she can file a complaint and bring the case before the court. It’s not easy to do this yourself so it is highly recommended that you have a seasoned attorney on your side who specializes in debt collections in Los Angeles.
By meeting with an attorney and sharing the details of your case, you’ll be able to know a lot more about how your individual case can be handled. Having a lawyer will lift the stress off you so you can get back to your normal life.
How to Negotiate with a Debt Collections Lawyer
A Debt Collections Attorney Los Angeles can work with creditors to negotiate terms that are favorable for you. One way this can be done is when an agreement is made that you pay a certain amount, and the debt is stricken from your credit report, which is definitely in your best interest.
An attorney who deals with debt collections will know exactly what steps to take on your behalf. It is well worth the time and effort to hire a lawyer who knows the ins and outs of debt collection law in the State of California.
Jacob Partiyeli: Best LA Debt Collection Lawyer
If you are experiencing overwhelming debt, you will need a knowledgeable and experienced LA Debt Collection Lawyer. Don’t waste time looking around. Contact our team. You can trust The Law Offices of Jacob Partiyeli. Jacob is a compassionate attorney in Los Angeles and will fight for you. There is hope. Stop the harassment and the headaches. Call today for a no-cost, no-obligation consultation – (310) 810-1919.
