Debt Collection Attorney Annapolis, MD

DEBT COLLECTION DEFENSE

Are debt collectors threatening to sue? Such situations can feel quite overwhelming, especially if you’re struggling to make ends meet. You can get the problem under control with the help of low-cost legal services. The Law Office of Leonard A. Englander, Esq., LLC offers affordable debt collection defense in Annapolis, MD.

Leonard A. Englander, Esq. can help you take the right steps to verify debts, stop harassment from debt collection agencies and represent you in court if required. The Law Office of Leonard A. Englander, Esq., LLC is here to defend your rights in court and help you navigate the distressing process of debt collection.

In situations where debt is accrued (ie. credit card, medical, etc.) and is not paid, the debt will often be sold to a Debt Collection Agency ("DCA"). The DCA will then attempt to collect the debt. If they do not succeed, they will often take the matter to Court, and, if successful, will get a judgment against the party. This judgment can then be used to garnish wages, etc.

However, in numerous situations, the party was not even aware there was a debt, was not served with notice of the debt and in some rare situations, they are not the ones who incurred the debt! Though rare, occasionally, the DCA's will try to collect the debt against the wrong party. This usually happens where the name of the party is fairly common (ie. James Smith, etc.).

In such cases, the party may find themselves on the hook for debt that they never incurred. Fortunately, this office can often help in such situations. For a small fee, this office can attempt to negotiate on your behalf with your creditors, attempting to reach a mutually agreeable amount or payment plan. In cases of mistaken identity or improper service, this office can file to vacate the judgment and set things right.

Click here to set up a consultation with me to discuss your case.