Defending Your Consumer Rights: Debt Negotiation with Skarecky & Holder, P.A.
When debt collectors start calling, it can feel overwhelming—but you have rights. Skarecky & Holder, P.A. assists consumers in negotiating debt settlements, defending against lawsuits, and fighting unfair collection practices. If you’re being harassed by debt collectors, sued for unpaid debt, or unsure about your legal options, you need the right legal strategy to protect yourself.
🔎 Understanding Your Rights in Debt Collection
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must follow strict rules when attempting to collect a debt. They cannot:
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Harass or threaten you (excessive calls, intimidation, or abusive language).
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Make false claims (lying about lawsuits, garnishments, or arrest threats).
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Collect unfairly (charging unauthorized fees or trying to collect expired debt).
If a debt collector is harassing you, you may have legal grounds to fight back and recover damages.
💰 Debt Negotiation: Reduce What You Owe
Many consumers don’t realize they can negotiate a lower payoff amount instead of paying the full balance. Skarecky & Holder, P.A. helps clients:
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Challenge debts that may be inaccurate or invalid.
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Negotiate reduced settlements with creditors and collection agencies.
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Prevent legal action by settling before a lawsuit is filed.
Want to know how long a collector can legally pursue you? Learn about debt collection time limits in your state.
⚖️ What to Do If You’re Sued Over a Debt
Ignoring a debt lawsuit can result in a default judgment, leading to wage garnishment, bank account levies, or asset seizure. Here’s what to do if you receive a summons:
- Verify the debt – Ensure the amount and creditor are correct.
- Check the statute of limitations – Some debts may be too old to collect legally.
- Respond to the lawsuit – Never ignore a court summons, as it can result in automatic judgment against you.
- Seek legal assistance – A consumer protection attorney can help you fight back.
Concerned about lawsuits? Find out if collection agencies can sue you and what to do next.
🚨 Protecting Yourself from Aggressive Creditors
Some creditors and collection agencies will use illegal tactics to pressure you into paying. If you experience:
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Threats of jail time or criminal charges
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Bogus legal documents or fake summonses
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Attempts to collect on old or settled debts
You may be able to fight back against debt collectors and protect your financial future.
📌 Contact Skarecky & Holder, P.A.
📍 Address: 3130 N 3rd Ave, Suite 300, Phoenix, AZ 85013
📞 Phone: (602) 248-0393
📠 Fax: (602) 266-4991
👨⚖️ How Consumer Rights Law Firm Can Help
At Consumer Rights Law Firm, we fight for consumers facing debt collection harassment, lawsuits, and unfair creditor practices. We help clients:
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Negotiate settlements and reduce their overall debt burden.
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Defend against collection lawsuits and stop unfair legal action.
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Enforce their consumer rights against harassment and false claims.
👉 Contact Consumer Rights Law Firm PLLC today at (877) 700-5790 to discuss your case and stop unfair debt collection practices!