Kaniuk Law

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Disputing Debt

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Debt Dispute Lawyer Delray Beach

Disputing Debt

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Debt collectors shouldn’t treat you unfairly. Debt collectors always believe they have the upper hand until they encounter lawyers who are aware of their client’s rights and, more significantly, understand when and how to exercise them.

Lawyers at Kaniuk Law Office can take several actions to dispute debt collections on behalf of our clients. Here are some common steps we might take:

  1. Reviewing the Debt: We will start by reviewing all documentation related to the debt, including the original agreement, records of payments, and any communications with the debt collector.
  2. Verification of Debt: We can request verification of the debt from the collection agency. This typically involves asking for proof that the debt is valid and that the collection agency has the legal right to collect it.
  3. Cease and Desist Letters: We may send cease and desist letters to collection agencies, instructing them to stop contacting their client. This can provide temporary relief from harassing phone calls and letters.
  4. Disputing Inaccuracies: If there are inaccuracies in the debt collection process, such as incorrect amounts or mistaken identity, we can dispute these errors with the collection agency and credit bureaus.
  5. Negotiating Settlements: We can negotiate with collection agencies on behalf of our clients to settle the debt for a reduced amount or establish a payment plan that is more manageable.
  6. Challenging the Debt in Court: If necessary, we can file a lawsuit to challenge the debt in court. This may involve disputing the validity of the debt, asserting that it is past the statute of limitations, or arguing that the collection agency has violated consumer protection laws.
  7. Defending Against Lawsuits: If a collection agency sues our client to collect the debt, we can defend against the lawsuit in court. This may involve presenting evidence to dispute the validity of the debt or challenging the collection agency’s legal standing.
  8. Seeking Legal Remedies: We can pursue legal remedies if the collection agency has violated the Fair Debt Collection Practices Act or other consumer protection laws. This may include filing a complaint with the Consumer Financial Protection Bureau or pursuing a lawsuit for damages.

Overall, the specific actions taken by our lawyers to dispute debt collections will depend on the individual circumstances of the case and the applicable laws and regulations.

Types of Debt We Can Dispute

  • Credit card debt
  • Medical debt
  • Auto debt
  • Cell phone debt
  • Personal debt
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