Law Offices of Michael D. Schulman: Protecting Your Rights Against Wage Garnishment and Illegal Collection Tactics
If the Law Offices of Michael D. Schulman contacted you about a debt, act quickly to protect your rights. Understanding how to fight wage garnishment and recognize illegal collection tactics can help you take control of your financial situation.
💰 Stopping Wage Garnishment Before It Starts
Debt collectors can garnish your wages if they win a lawsuit against you. Prevent this from happening by taking these steps:
📌 Respond to the Lawsuit Immediately – If you ignore a lawsuit, the court may allow the collector to garnish your wages. File a legal response before the deadline. Find out what to do if you missed a court summons.
🔍 Verify the Debt’s Legitimacy – Request a debt validation letter to confirm that the amount is accurate and legally collectible. See how to fight a collection agency.
⚖️ Use Legal Defenses to Challenge Garnishment – Some states offer exemptions that protect part of your income from garnishment. Consult a legal professional to explore your options.
💡 Negotiate a Settlement – Many debt collectors accept reduced payments instead of going through the court process. Work out a payment plan to avoid garnishment.
🚨 Recognizing and Reporting Illegal Collection Tactics
Debt collectors must follow strict laws when attempting to collect a debt. Watch out for these illegal tactics, and take action if you experience them:
⚠️ Threatening Criminal Charges – A debt collector cannot threaten jail time over unpaid debts. Know your rights if a collector tries this.
📞 Harassing Phone Calls – Repeated calls, threats, or abusive language violate the Fair Debt Collection Practices Act (FDCPA).
📑 Sending Fake Legal Documents – Some collectors try to intimidate consumers by sending documents that look like court orders. Find out if a collector can send a fake summons.
📬 Contacting Your Employer or Family – Debt collectors cannot disclose your debt to unauthorized third parties. Learn whether they can harass family members.
📍 Contact Information for Law Offices of Michael D. Schulman
📍 Address: 225 Broadway, Suite 630, New York, NY 10007
📞 Phone: (212) 267-7420
🔎 BBB Profile
📢 Fight Back Against Unfair Debt Collection Practices
Don’t let debt collectors violate your rights. Consumer Rights Law Firm PLLC provides legal support for those facing debt lawsuits, wage garnishment, or illegal collection tactics. Call 877-700-5790 or contact us online for a free consultation today.