Law Offices of David L. Prince, Esq.: Your Rights When Facing Debt Collection
If you’ve been contacted by the Law Offices of David L. Prince, Esq., it’s important to understand your rights and legal options when handling a debt collection case. Below, we explore two key topics to help you manage the situation effectively.
🛡️ How to Challenge an Unfair Debt Collection Case
Debt collection law firms must follow strict guidelines when attempting to collect a debt. If you believe you’re being unfairly targeted, here’s how to challenge their claims.
📌 Demand Debt Validation
Before making any payments, request a debt validation letter to ensure the claim is legitimate. The collector must provide:
- Proof that you owe the debt
- A breakdown of the total amount
- Evidence they have the legal right to collect
If they fail to provide this information, you can dispute the claim and potentially avoid paying an invalid debt. Learn more about how to fight a collection agency.
⚖️ Review for Legal Violations
Debt collectors cannot harass, threaten, or deceive you. If they:
- Call you at work without permission
- Threaten you with criminal charges
- Contact you at odd hours
- Lie about their authority
Then they may be violating the Fair Debt Collection Practices Act (FDCPA). Read more about what debt collectors can and cannot do.
📉 How to Settle a Debt for Less Than You Owe
If you owe a debt and want to settle it, knowing how to negotiate can help you pay less than the full amount.
💰 Offer a Lump-Sum Settlement
Many creditors accept a lower payment if you can pay in full immediately. To negotiate a settlement:
- Start with 30-50% of the balance
- Request the debt to be reported as “Paid in Full” instead of “Settled”
- Get all agreements in writing before paying
Check out more details on how to negotiate with creditors.
📑 Set Up a Payment Plan
If a lump sum isn’t possible, negotiate a low-interest payment plan with terms you can afford. Debt collectors may be more willing to accept small payments over time rather than risk getting nothing.
📍 Contact Information for Law Offices of David L. Prince, Esq.
- Address: 1912 W Burbank Blvd, Burbank, CA 91506
- Phone: (818) 955-9190
- Yelp Profile
📞 Need Legal Help? Contact Consumer Rights Law Firm PLLC Today!
If you’re facing debt collection lawsuits or unfair creditor tactics, Consumer Rights Law Firm PLLC can help. Call 877-700-5790 or visit our Contact Page for a free consultation.
Don’t let debt collectors pressure you—know your rights and fight back!