If you are being sued to collect on an alleged debt, you need the guidance of an experienced Long Beach debt collection attorney. Many consumers receive collection letters or calls from companies they’ve never heard of, often because the debt has been sold to a “debt buyer.” It can be confusing to know whether you actually owe the debt, but this does not stop collectors from contacting you repeatedly.
There are several federal laws designed to protect consumers from unfair debt collection practices. If you are receiving collection letters or phone calls, a collection defense attorney can help you demand verification of the debt. You have the right to request detailed information about the debt, and it is the responsibility of the debt collector to provide proof of where the debt originated and to notify you in a timely manner.
If a creditor fails to verify the debt but continues to contact you for payment, you may have grounds to file a lawsuit against them. However, there are specific forms and deadlines involved, and many people are not aware of the correct legal procedures. A knowledgeable attorney can guide you through the process, ensuring your rights are protected at every step.
The Law Office of Stewart Lim has a proven track record of representing clients facing debt collection actions. Our experienced attorneys can assist you in getting alleged debts verified or even dismissed, depending on your situation. We are committed to helping you understand your rights and options when dealing with debt collectors.
