Debtor Defense & Consumer Protection

Stop collector harassment. Assert your rights. Greenberg Debt Defense stands between you and the aggressive tactics creditors and debt collectors use against consumers.

Protecting Consumers from Aggressive Creditors

Our law firm is dedicated to defending consumer debtors against aggressive creditors and debt collectors. We understand the stress and challenges that come with overwhelming debt and are committed to protecting our clients' rights. Our attorneys work diligently to negotiate fair terms, stop harassing collection practices, and develop strategic defenses to shield our clients from unjust financial pressures.

With a deep understanding of consumer protection laws, we provide effective representation to help individuals regain control of their financial situation.

Debtor Defense

If a creditor has filed a lawsuit against you, you have options — but you need to act quickly. Failing to respond to a creditor lawsuit can result in a default judgment, which can lead to wage garnishment, bank levies, and other serious consequences.

Our attorneys will evaluate your case, advise you on your available defenses, and if you choose to retain us for litigation, provide direct court representation under a separate Litigation Retainer Agreement. We work closely with clients enrolled in debt settlement programs to coordinate legal defense with ongoing negotiation efforts.

If you are served with a lawsuit by a creditor and you are a Legal Club member, contact us immediately. We will evaluate your matter promptly and advise you on your options.

FDCPA — Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices.

Examples of FDCPA violations include:

  • Calling before 8am or after 9pm in your time zone
  • Calling repeatedly with the intent to harass, annoy, or abuse
  • Using profane or obscene language
  • Threatening to take legal action they cannot or do not intend to take
  • Falsely representing the character, amount, or legal status of a debt
  • Contacting you at work if your employer does not allow such calls
  • Contacting you directly if you are represented by an attorney
  • Failing to provide required debt validation information

If a debt collector has violated the FDCPA, you may be entitled to statutory damages of up to $1,000 per lawsuit, plus actual damages and attorney's fees. Our attorneys can evaluate your situation and advise you on whether you have a viable FDCPA claim.

TCPA — Telephone Consumer Protection Act

The Telephone Consumer Protection Act (TCPA) restricts the use of automated telephone equipment, including automatic telephone dialing systems (robocalls), artificial or prerecorded messages, and unsolicited text messages. Collectors who use autodialed calls or prerecorded messages without your consent may be violating the TCPA.

TCPA violations may entitle you to statutory damages of $500 to $1,500 per violation. Our attorneys will review your call logs, text messages, and other records to identify potential TCPA violations and advise you on your options.

Debt Relief Support

Not all creditors work cooperatively with debt settlement programs. Some creditors are more aggressive and may pursue legal action rather than negotiate. Our attorneys can work alongside your existing debt settlement program to provide legal support where standard negotiation is not sufficient — including communicating directly with creditors who refuse to work with non-attorney representatives, and evaluating and responding to legal actions taken during the program.

Contact us to discuss how we may be able to provide supplemental legal support for your specific situation.

Are Collectors Harassing You?

You have rights under federal and state law. Our attorneys will evaluate your situation at no cost and advise you on your options.

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