Debt Relief Options

We Defend Credit Card and Other Debt Collection Lawsuits

Carlisle Law Firm offers a choice of debt relief options. We defend debt collection lawsuits. We appeal money judgments, defend garnishments, and seek post-judgment relief for debtors. We file bankruptcies. We sue debt collectors for consumer rights violations. We negotiate debt settlements. We don't try to "sell" clients on one type of "debt relief" over another. The best approach to debt relief is the one that will do the most to improve your financial situation.

We have defended thousands of collection lawsuits in courtrooms across the State of Georgia. Bankruptcy isn't the right option for every person or situation. Negotiating a debt settlement is always an option, but timing is important. Settlement negotiations require preparation and should be approached from a position of strength. A skillful defense of the collection lawsuit that points out weaknesses in the debt collector's evidence and frustrates the effort to obtain a judgment plays a pivotal role by creating bargaining power that can be used in settlement negotiations or by setting up meritorious defenses that can be presented at trial.

We File Chapter 7 Bankruptcy Petitions

We never lose sight of the fact that "debt relief" is primarily about improving your financial condition. We look at a potential client's overall financial condition, provide information on all available debt relief options, and explain the "pros and cons" associated with each one. If you meet the financial qualifications for filing Chapter 7 bankruptcy, have no "non-exempt" assets that are at risk of seizure, and are carrying a substantial debt load that is spread across multiple accounts, filing a Chapter 7 bankruptcy petition may be your best choice.

We File Consumer Rights Claims (FDCPA, FCRA, TCPA, etc.)

Almost every communication and transaction between consumers, lenders, creditors, and debt collectors are subject to regulation under one or more state and federal law. Consumer credit card applications, agreements, and billing statements are subject to the Truth in Lending Act (TILA) and Regulation Z, the Equal Credit Opportunity Act (ECOA) , the Dodd-Frank Act, the Fair Credit Billing Act, and others. The reporting of your credit information is governed under the Fair Credit Reporting Act (FCRA). Communications made in an attempt to collect a defaulted debt are covered under the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Coverage under the FDCPA extends to communications that are made during a collection lawsuit, including allegations in court pleadings by collection lawyers. We review all documents and court filings for our clients and file claims on their behalf where violations have occurred.

We Negotiate Debt Settlements

Offering "Debt Settlement" as a standalone service is ill-suited to the goal of achieving the most favorable settlement outcomes for consumer debtors. The best settlement outcomes occur when negotiations are conducted from a position of strength. Agreeing to settle a debt without agreeing or knowing how to defend against collection lawsuits, hold debt collectors accountable for unlawful collection practices, or assess factors including collectability, bankruptcy qualification, or future costs and regulatory risks associated with collection, ends up "leaving money on the table" during negotiations that could be put back in the client's pocket.

Carlisle Law Firm Offers Comprehensive Debt Relief