Understanding Your Rights When Dealing with a Debt Collection Law Firm
When facing legal action from a firm like the Law Office of Thomas W. Drexler, it’s crucial to understand your rights and options. Many consumers mistakenly believe they have no choice but to comply with aggressive collection tactics. However, federal laws protect you from unfair treatment.
How to Challenge a Debt Collection Lawsuit
If you’ve been sued for a debt, don’t panic—there are ways to challenge the lawsuit and protect yourself.
🔹 Request Debt Validation – You have the right to demand proof that the debt is accurate and that the firm has the legal authority to collect it. If they can’t provide proper documentation, the case may be dismissed. Read more about your right to request validation.
🔹 Check the Statute of Limitations – If the debt is old, it may be legally unenforceable. Debt collection firms sometimes sue consumers for time-barred debts, hoping they won’t challenge them. Find out how long collectors can pursue a debt.
🔹 File a Response to the Lawsuit – Ignoring a lawsuit will likely lead to a default judgment, allowing the creditor to garnish wages or seize assets. Responding in time preserves your legal options.
🔹 Negotiate a Settlement Before Court – If the case is valid, you may be able to settle for less before it goes to trial. Learn how to negotiate a fair debt settlement.
What to Do If a Law Firm Uses Unfair Collection Tactics
Debt collection law firms must follow strict guidelines. If the Law Office of Thomas W. Drexler engages in deceptive or aggressive practices, take these steps:
- Document Everything – Keep records of calls, letters, and emails. Note any threats, misrepresentations, or repeated harassment.
- Know What They Can and Can’t Do – Collectors cannot threaten arrest, misrepresent the amount owed, or contact your family members about the debt. If they violate your rights, report them. Find out if a collector can lie to you.
- Send a Cease-and-Desist Letter – If harassment continues, you can legally request that they stop contacting you.
- Consult a Legal Professional – If a law firm violates your rights, you may be entitled to legal recourse. Learn more about the Fair Debt Collection Practices Act (FDCPA) and your protections.
Contact Information for Law Office of Thomas W. Drexler
For direct communication with the Law Office of Thomas W. Drexler, you can reach them at:
- Address: 221 N LaSalle St, Suite 1600, Chicago, IL 60601
- Phone: 312-726-7335
- Email: td@drexlaw.com
- Website
If you’re struggling with a lawsuit or debt collection from a law firm, Consumer Rights Law Firm PLLC can help. Call 877-700-5790 or visit our contact page for a free consultation.