Collection Lawyer

Carlisle Law Firm

Thousands of consumer debtors have hired Carlisle Law Firm to fight debt collection. Why?

We know collection law and understand how debt collectors and the debt collection industry operates.

• Collection Lawsuit Defense (credit cards, auto repo deficiency, personal loans, HELOC, private label student loans, etc.)

• Consumer Bankruptcy - Chapters 7 and 13

• Consumer Rights & Tort Claims Against Debt Collectors (FDCPA, FBPA, FCRA, TCPA, etc.)

• Debt Settlements;

• FINRA Arbitration Claims (financial advisor "forgivable loan" and "promissory note" claims)

• Appeals & Post-Judgment Review in Collection Cases, etc.

• Debt collection can be intimidating. Debt collectors want one thing. Your money. If you don't pay, the debt collector may hire a collection lawyer to file a lawsuit and obtain a judgment. Once you've been served with a debt collection lawsuit, you have thirty (30) days to file a response and raise any applicable defenses and counterclaims you may have against the debt collector. If you don't file a timely response and raise effective defenses to collection, it is likely the debt collector will be awarded a judgment. If you file a response on your own, you'll need to be familiar with the rules, procedures, and filing deadlines for the court and venue in which your case was filed, all law applicable to the issues in your case, and know how and when to present your arguments to the court. For those that go it alone, the chances of winning are slim.

• Avoid Judgment. Once a judgment is issued, it gathers interest and the amount increases each day until paid and satisfied. Old, dormant, uncollected judgments can be revived every 7 to 10 years, and can remain enforceable as long as you live. Judgments can be sold from one debt collector to another and can follow you from one state to another through the process of domestication. If you can't pay the judgment, the debt collector may decide to garnish your paycheck, lien your home, or seize other property that can be sold to get the money.

• Bankruptcy isn't the only answer. To make things worse, Georgia collection laws favor the debt collector. The garnishment laws in Georgia were largely written by collection lawyers. Among lawyers, the most common answer to debt collection is filing a bankruptcy or negotiating a settlement. However, bankruptcy isn't available to everyone and can make your situation worse in certain situations. Negotiating a settlement can work if you understand and can meet the terms, but many agreements offered as debt collection "settlements" are actually judgments, or end up becoming judgments.

• Don't get "home-cooked." Unless a lawyer regularly defends debt collection lawsuits, they've probably never noticed that collection lawyers are in courts everywhere, all the time. Debt collection lawsuits outnumber every other type of lawsuit. Collection lawyers have more cases than the courts have time to hear. In courtrooms with calendars dominated by debt collection cases, especially in Magistrate Courts, the interactions between judges and collection lawyers become familiar and routine, with judges relying on the collection lawyers to expedite the proceedings, usually to the detriment of the debtor defendants in their courtroom. Attempting to "swim against the current" can be tricky for even the most seasoned trial lawyer. The debtors in these courtrooms may think the "system" is working against them, but they'd be wrong. The problem is that they're not working the system.

• You have valuable rights and defenses to debt collection. If you don't what they are or how to use them, they're useless. Collection lawsuits have many weaknesses. If you don't understand how consumer lending, credit financing, and the debt collection industries operate, you may not be able to spot those weaknesses. Debt settlements can substantially reduce or eliminate your debt entirely. If you don't understand how business is conducted between collection lawyers and debt collectors, you may not be able to achieve these results.

• We fight debt collection lawsuits every day and we've been doing it for decades. You don't have to go it alone. If a debt collector wants your money, we can help.

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