Protect Your Rights With Debt Collection Defense at the Law Offices of Wenarsky and Goldstein, LLC

Facing debt collection calls? Learn how the Law Offices of Wenarsky and Goldstein, LLC can provide you with robust debt collection defense strategies to protect your rights and financial future.

Debt Collection Defense in New Jersey 

Facing debt collection can be an overwhelming experience, casting a shadow of stress and uncertainty over one’s financial future. It’s not just about the money owed; it’s about the potential impact on credit score, the incessant calls, and the pressure that comes with each notice. When debt becomes unbearable, filing for bankruptcy under Chapter 7 or Chapter 13 may present a viable path to stop the relentless debt collection calls and offer a fresh start.

At the Law Offices of Wenarsky & Goldstein, LLC, we understand the emotional and legal complexities involved in debt collection. We stand against unfair debt collection tactics and are committed to helping individuals navigate the complexities of debt collection.

Understanding Debt Collection

When dealing with debt collection, it’s essential to understand the process and your rights. Debt collection is the pursuit of payments of debts (for example, credit card debt) owed by individuals or businesses. Typically, a creditor will contact you if you have an unpaid debt due. If the debt goes unpaid for a significant period, it may be sold to a debt collection agency.

The Fair Debt Collection Practices Act (FDCPA) provides us with rights that protect us from abusive debt collection practices. Among these protections, the FDCPA ensures that:

  • A debt collector must treat you respectfully without using abusive or deceptive tactics.
  • You have the right to dispute the debt. The collector must provide you with certain basic information about the debt.
  • Collection agencies cannot contact you at inconvenient times or places.

It may be a good idea to carefully document your interactions with debt collectors. This includes keeping records of communications and any payments that you make. It is worth noting that, under certain conditions, the debt may not be enforceable. For example:

  • The statute of limitations on the debt may have expired.
  • You may not have received the goods or services you are being billed for.

In some cases, you may also need to defend yourself in court against a debt collection lawsuit. If this happens, it’s crucial to respond to the lawsuit. Failure to do so can result in a default judgment against you, leading to wage garnishment or bank account levies.

In such cases, you have options for managing debt, including negotiating with creditors, using credit accounts, seeking debt counseling, or exploring filing for bankruptcy. Knowing your rights and acting quickly when dealing with debt collectors is essential to ensure a favorable outcome.

Common Debt Collection Defenses

When dealing with debt collection, you have several legal defenses. Understanding that these defenses must meet specific criteria to be effective is crucial. Not all defenses will apply in every situation, and sometimes, if debts are overwhelming, declaring bankruptcy might be the most appropriate step to protect your interests.

  1. Statute of Limitations: A creditor has a limited time to file a lawsuit over an unpaid debt. Once this period has expired, they can’t take legal action against you.
  2. Fair Debt Collection Practices Act (FDCPA) Violations: Debt collectors must adhere to specific rules. If they fail to comply, you might have a defense against them.
  3. Lack of Proof: Collectors must prove that you owe the debt. Their case might be weak if they can’t provide the original contract or account statements.
  4. Identity Theft or Mistaken Identity: Being sued for a debt you didn’t incur can be resolved if you demonstrate that it’s a case of identity theft or mistaken identity.
  5. Defective or Undelivered Goods or Services: This could be a valid defense if you didn’t receive the goods or services.

At the Law Offices of Wenarsky & Goldstein, LLC, we empathize with the stress and uncertainty debt brings. Our professional team is dedicated to empowering you with knowledge and strategies tailored to your unique circumstances, ensuring the protection of your rights and assets.

Why Choose Chapter 13 Bankruptcy Over Other Options

When faced with financial hardship, many individuals seek debt relief solutions that offer a reprieve from relentless creditors. At the Law Offices of Wenarsky & Goldstein, LLC, we understand that the decision to file for bankruptcy is significant and comes with many considerations. Among the available options, Chapter 13 bankruptcy presents several advantages for retaining control over your financial future.

Firstly, Chapter 13 bankruptcy comes with the protection of federal law. It offers an immediate stay on debt collection actions, meaning creditor lawsuits, wage garnishments, and even foreclosure proceedings are halted upon filing. This gives you essential breathing room to reorganize your debts without the additional stress of creditor harassment.

Furthermore, the implications for your credit ratings between debt settlement services and bankruptcy are fairly similar. However, Chapter 13 provides additional legal shields. Compared to other debt management programs, you’ll experience minimal interest charges with Chapter 13, significantly reducing the burden on consumer debts over time.

Our approach at the Law Offices of Wenarsky & Goldstein, LLC, in addressing bankruptcy, is empathetic yet professional. We recognize that a successful reorganization of your debts should be tailored to your unique financial situation. Accessing NJ bankruptcy laws with our guidance ensures you choose the most appropriate path forward.

Aside from these benefits, Chapter 13 bankruptcy may also protect loan cosigners and allow for a structured and reasonable payment arrangements, allowing you to repay your debts while keeping your assets. Understanding the nuances of Chapter 13 bankruptcy can be complex, but with our dedicated assistance, you can navigate this process with clarity and confidence.

How Can a Bankruptcy Lawyer Help You?

Bankruptcy lawyers from the Law Offices of Wenarsky & Goldstein, LLC can help you in the following ways:

  • Skilled Legal Representation: We can provide aggressive defense against debt collection lawsuits, ensuring that your rights are protected throughout the legal process.
  • Bankruptcy Services: Understanding your rights is crucial when facing debt collection. We can help you navigate the complexities of bankruptcy law, ensuring you’re making informed decisions every step of the way.
  • Strategic Planning: Our firm can guide individuals and businesses through the complexities of bankruptcy proceedings, offering personalized solutions tailored to your unique financial situation. We develop comprehensive strategies to help you overcome debt challenges, whether through negotiation, settlement, or bankruptcy filings.
  • Legal Advocacy: With a focus on client advocacy, we strive to achieve favorable outcomes and provide relief from overwhelming debt burdens.
  • Compassionate Support: Our team offers compassionate support and guidance, understanding the stress and uncertainty associated with financial difficulties.

How the Law Offices of Wenarsky and Goldstein, LLC Can Help

Filing for bankruptcy can often provide a fresh start for those struggling with unmanageable debt. By doing so, you can stop the overwhelming collection calls and put yourself on a path to financial recovery. Our experienced attorneys will guide you through each phase of the bankruptcy process, offering personalized solutions tailored to your situation.

At the Law Offices of Wenarsky and Goldstein, LLC, we offer compassionate and effective legal guidance on debt collection defense. If you’re overwhelmed by collection calls, attorneys fees, and the burden of debt, we’re here to assist you.

Our services include:

  • Legal advice and representation in bankruptcy cases.
  • Strategic planning for Chapter 7 and Chapter 13 bankruptcy filing.
  • Guardianship and special needs legal services.
  • Assistance with estates and probate matters.

By working with us, you’ll benefit from a team that prioritizes your best interests and strives to exceed your expectations.

We invite you to contact us for a consultation. Let’s discuss how we can help defend your rights and regain control of your financial future.

Call the Law Office of Wenarsky & Goldstein

At the Law Offices of Wenarsky & Goldstein, LLC, our New York and New Jersey attorneys are experienced and knowledgeable in bankruptcy, estate planning and probate, guardianship, special needs planning, and real estate law. To learn more about how we can assist you with your legal needs, call us today at 973-453-2838.