Law Offices of Lamb & Michael: Understanding Your Debt Defense Options
If the Law Offices of Lamb & Michael has contacted you about an outstanding debt, you may feel pressured to act quickly. However, rushing into a payment agreement without understanding your rights could be costly. Learn how to protect yourself from aggressive debt collection tactics and explore potential legal defenses.
📌 Identifying Unfair Debt Collection Practices
Debt collectors must follow strict laws under the Fair Debt Collection Practices Act (FDCPA). However, some still use deceptive or intimidating tactics to push consumers into paying.
🚫 Threats of Arrest or Legal Consequences – A debt collector cannot threaten to have you arrested for unpaid debt. If you’ve received such threats, learn more about whether a debt collector can threaten you with criminal charges.
📢 Public Shaming Attempts – Some collection agencies illegally contact family members or employers to pressure debtors into paying. If this has happened to you, check out whether collectors can harass family members.
📞 Repeated or Late-Night Calls – Debt collectors cannot harass you with excessive phone calls or call outside legal hours. If you need help stopping unwanted communication, see how to fight a collection agency.
⚖️ Legal Defenses Against Debt Collection Lawsuits
If Lamb & Michael has filed a lawsuit against you, you still have options to defend yourself and potentially avoid a court judgment.
📜 Verify the Debt’s Accuracy – Request a debt validation letter to confirm the amount owed, the creditor’s identity, and the validity of the claim. Discover how to verify a debt.
⏳ Check the Statute of Limitations – Debt collectors cannot legally sue you for old debts if the statute of limitations has expired. Find out how many years a debt collector can come after you.
📝 File a Timely Response – Ignoring a lawsuit could result in a default judgment against you, allowing creditors to garnish wages or freeze bank accounts. Learn what to do if you missed a summons.
💰 Negotiate a Settlement – Even after a lawsuit is filed, debt settlement may still be an option. You could reduce the amount owed or arrange a manageable payment plan before the case reaches court.
📍 Contact Information for Law Offices of Lamb & Michael
If you’re dealing with debt collection harassment or a lawsuit, Consumer Rights Law Firm PLLC can help. Call us at 877-700-5790 or visit our contact page for a free consultation.
📌 Disclaimer: This article is for informational purposes only and does not constitute legal advice.