Law Offices of Michael B. Cullen, A.P.C.: Defending Against Debt Collection and Understanding Wage Garnishment
If Law Offices of Michael B. Cullen, A.P.C. has contacted you regarding a debt, it’s crucial to understand your legal options and protections. Below, we cover two important topics to help you manage the situation effectively.
🛡️ Defending Against Aggressive Debt Collection Tactics
Debt collectors sometimes employ aggressive strategies to pressure consumers into payment. Knowing your rights can help you push back against unfair practices.
✔ Recognize Harassment and Report It – Under the Fair Debt Collection Practices Act (FDCPA), collectors cannot use threats, intimidation, or repeated calls to force payment. Learn what collectors are not allowed to do.
📞 Limit Direct Contact – If you feel harassed, you have the right to request that a debt collector only communicate with you in writing. This can help create a paper trail for future disputes.
⚠️ Beware of Fake Summons or Lawsuits – Some collectors may send deceptive paperwork to scare you into paying. Here’s how to verify a debt collector’s claims.
📑 Demand a Debt Validation Letter – Within 30 days of initial contact, you can request written proof of the debt. If the collector cannot validate the debt, they must stop collection efforts.
💰 Understanding Wage Garnishment and How to Stop It
Wage garnishment allows creditors to take money directly from your paycheck if they obtain a judgment against you. Here’s how to prevent or stop it:
🔎 Verify the Legality of the Garnishment – Not all debts qualify for wage garnishment, and there are state-specific limits on how much can be deducted. Check your state laws on debt collection.
⚖️ File an Exemption Request – If wage garnishment causes financial hardship, you may be able to challenge the garnishment in court and request an exemption.
📜 Negotiate a Settlement Before It Starts – Creditors often agree to payment plans if you negotiate before the garnishment process begins. Learn how to negotiate with collection agencies.
💡 Consider Legal Action – If a collector has violated the FDCPA or pursued an expired debt, you may have grounds to file a lawsuit against them.
📍 Contact Information for Law Offices of Michael B. Cullen, A.P.C.
📍 Address: 29229 Canwood St., Suite 208, Agoura Hills, CA 91301
📞 Phone: (818) 707-9447
🔎 State Bar Profile
📢 Protect Your Rights Today
If you’re facing debt collection pressure or wage garnishment threats, Consumer Rights Law Firm PLLC is here to help. Call 877-700-5790 or contact us online for a free consultation today.