Protecting Your Consumer Rights: Debt Negotiation with Simons & Associates Law, P.A.
Dealing with debt collectors and legal disputes over debt can be overwhelming, but you have rights. Simons & Associates Law, P.A. helps consumers fight against unfair collection practices, negotiate debt settlements, and navigate lawsuits from creditors. If a debt collector is harassing you, misrepresenting the amount you owe, or threatening legal action, you need to understand your options.
Know Your Rights in Debt Collection
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA), which protects consumers from:
- ➡️ Harassment (excessive calls, threats, or intimidation).
- ➡️ False claims (lying about lawsuits, garnishments, or arrests).
- ➡️ Unfair practices (charging fees not owed or attempting to collect expired debts).
If you’re experiencing aggressive debt collection tactics, learn more about what debt collectors can and cannot do under the law.
Debt Negotiation: Reduce What You Owe
Many debts can be settled for less than the original balance through proper negotiation. Simons & Associates Law, P.A. can help you:
- ✅ Challenge invalid debts that don’t belong to you.
- ✅ Negotiate lower settlements with credit card companies, lenders, and collection agencies.
- ✅ Stop lawsuits by reaching agreements before a court ruling.
What to Do If You’re Sued Over a Debt
If a collection agency sues you, don’t ignore the lawsuit. Taking action quickly can help you avoid a judgment against you. Here’s what to do:
- 👉 Verify the debt – Ensure the amount and creditor are correct.
- 👉 Check the statute of limitations – Older debts may be too old to collect legally.
- 👉 Respond to the lawsuit – Never ignore a court summons. A failure to respond could result in wage garnishment or asset seizure.
- 👉 Seek legal assistance – A consumer protection attorney can help you fight back.
Want to know if a collection agency can file a lawsuit against you? Get the facts and take action.
Contact Simons & Associates Law, P.A.
If you’re dealing with unfair debt collection practices or need help negotiating your debt, Simons & Associates Law, P.A. is here to assist.
- 📍 Address: 260 Western Ave, South Portland, ME 04106
- 📞 Phone: (207) 883-7225
- ✉️ Email: gwen@simonsassociateslaw.com
- 🌐 Website
- 👤 BBB Profile
📞 Take control of your debt today! Contact Simons & Associates Law, P.A. for a free consultation and learn how to protect your rights.
👉 Consumer Rights Law Firm PLLC is also available to help you fight unfair collection practices and stop creditor harassment.