⚖️ How to Protect Yourself from Debt Collection by Michael & Associates, PC
Michael & Associates, PC is a law firm that may engage in debt collection litigation. If they have contacted you about an unpaid debt, you need to understand your legal rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) to ensure you are not being misled or harassed.
📍 Contact Information for Michael & Associates, PC
- 📍 Address: 2500 Wilcrest Dr., Suite 300, Houston, TX 77042
- 📞 Phone: (713) 864-9911
- 🌐 Website
- 🔎 BBB Profile
📢 How to Respond to a Debt Lawsuit
If Michael & Associates, PC has filed a lawsuit against you, here’s what you should do:
- Do not ignore the summons – Failing to respond could result in a default judgment.
- Request a debt validation – They must provide proof that the debt is legitimate.
- Check for statute of limitations – If the debt is too old, they may not be able to sue you.
- Consider legal representation – An attorney can help you fight the lawsuit.
📌 Facing a lawsuit? Here’s what to do if a collection agency sues you.
🔎 Can Michael & Associates, PC Garnish Wages?
Debt collection law firms cannot automatically take money from your paycheck, but they can attempt to garnish wages if they obtain a court judgment.
- Pre-judgment: They cannot seize your wages without a court order.
- Post-judgment: If they win the case, they may garnish wages or freeze bank accounts.
- State protections: Some states limit how much can be garnished.
📌 Concerned about wage garnishment? Find out your rights.
🔹 What to Do If Michael & Associates, PC Contacts You
If this firm is reaching out to collect a debt, follow these steps to protect yourself:
- Ask for everything in writing – This helps you track what they claim you owe.
- Keep records of all communication – Document phone calls, letters, and emails.
- Never make a payment without verifying the debt – Ensure the amount is correct.
- Watch out for misleading statements – Debt collectors cannot lie to you.
- Negotiate a settlement if necessary – You may be able to settle for less than the full balance.
📌 Wondering if collectors can contact you at work? Know your rights.
📞 Get Legal Help & Stop Harassment
If Michael & Associates, PC is pressuring you for payment, misreporting debts, or taking legal action, Consumer Rights Law Firm PLLC can help you fight back. Our attorneys specialize in protecting consumers from unfair debt collection practices.
📞 Call 877-700-5790 today
💻 Schedule a Free Consultation Here
✅ Protect your financial future today!