Navigating Debt Collection with Haberbush & Associates, LLP
If you’ve been contacted by Haberbush & Associates, LLP regarding a debt, it’s crucial to understand your rights and the appropriate steps to take. This guide provides insights into the firm and offers actionable advice to help you manage the situation effectively.
Who Is Haberbush & Associates, LLP?
Haberbush & Associates, LLP is a law firm based in Long Beach, California, specializing in debtor-creditor matters, including:
- 👉 Commercial Litigation
- 👉 Business Litigation
- 👉 Chapter 11 Reorganization
- 👉 Business Liquidations
The firm has been serving clients since 1996, offering legal services related to bankruptcy and insolvency issues.
Contact Information:
- 📌 Address: 444 West Ocean Boulevard, Suite 1400, Long Beach, CA 90802
- ☎️ Phone: (562) 435-3456
- 🖨️ Fax: (562) 435-6335
Note: While the firm is not listed as BBB Accredited, this does not necessarily reflect on its credibility or quality of service. Visit their website here.
Steps to Take If Contacted by Haberbush & Associates, LLP
Verify the Debt
Before making any payments:
- 👉 Request a Debt Validation Letter: Ensure the debt is accurate and belongs to you.
- 👉 Confirm Details: Check the amount owed, the original creditor, and account history.
Learn how to handle debt collectors
Understand Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair collection practices. Remember:
- ✅ Debt collectors cannot harass or threaten you.
- ✅ They must provide accurate information about the debt.
- ✅ You have the right to dispute the debt within 30 days.
Protect your rights with an FDCPA lawyer
Respond Promptly to Legal Actions
Ignoring legal notices can lead to:
- ➤ Default Judgments: Allowing the creditor to garnish wages or seize assets.
- ➤ Increased Legal Fees: Adding to your financial burden.
What to do if sued by a collection agency
Explore Debt Settlement Options
Consider negotiating to:
- ➡️ Reduce the Total Amount Owed: Some creditors may accept a lump-sum payment that’s less than the full debt.
- ➡️ Establish a Payment Plan: Spread out payments over time.
Understand the pros and cons of debt settlement
Common Debt Collection Practices
Be aware of tactics that may be used:
- 👉 Frequent Phone Calls: To pressure you into paying.
- 👉 Threatening Legal Action: Even if they don’t intend to follow through.
- 👉 Misrepresentation: Claiming to be law enforcement or misrepresenting the amount owed.
Can debt collectors threaten to serve me with paperwork?
How Consumer Rights Law Firm PLLC Can Assist You
Facing debt collection can be overwhelming, but you don’t have to navigate it alone. Consumer Rights Law Firm PLLC offers:
- ➤ Free Consultations: Discuss your situation with experienced attorneys.
- ➤ ersonalized Legal Strategies: Tailored to your specific circumstances.
- ➤ Aggressive Defense: Against unfair debt collection practices.
Contact Us:
- ☎️ Phone: (877) 700-5790
- 🌐 Website: consumerlawfirmcenter.com
Additional Resources:
- 🔗 How to fight a collection agency
- 🔗 What happens if a creditor gets a judgment against me?
- 🔗 Can debt collectors harass family members?
Empower yourself with knowledge and take control of your financial future.