• Carlisle Law Firm provides its clients with representation, advice, and counsel in legal proceedings filed by creditors and debt collectors. This firm has helped thousands of individual consumers and small businesses to reduce and eliminate debt, stop debt collection efforts, and obtain compensation for unlawful and abusive collection practices.

• We don't take a one dimensional approach to resolving debt. Some firms may advertise "debt consolidation," while another suggests bankruptcy. Some may offer to defend the lawsuit, but won't bring consumer rights claims on your behalf. Consumer rights lawyers may be willing to file suit in federal court on an FDCPA claim, but have no interest in defending the collection lawsuit. Others might only offer settlement services. Which option is best for you? Our clients don't have to make that decision. We do all of the above.

• Carlisle Law Firm takes a global approach to "Debt Relief." 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. The best approach to "Debt Relief" is the one that will work best for you.

• We know that the budget and scope of the solution has to fit the scale of the problem. We wouldn't use a sledgehammer to kill a cockroach and we wouldn't file a Chapter 7 Bankruptcy in response to a $5,000.00 lawsuit on a previously sold credit card debt. Defending debt collection is not about winning at all cost, it's about winning at the smallest cost.

• Send us your case information and we'll send you a free evaluation. It won't cost you anything to hear what we have to say. It could cost a lot if you don't.

Finding the best defense against debt collection involves answering the right questions.

• Was the Lawsuit filed by a Creditor or a Debt Purchaser?

• Is the lawsuit alleging a consumer or commercial debt?

• How much money is claimed in the lawsuit?

• Does the Client have other delinquent, unpaid debts?

• Does the Client have assets or income that is at risk of seizure if a money judgment is awarded?

• Does the Client claim identity theft or dispute the contractual relationship alleged in the lawsuit?

• Has the Client previously filed bankruptcy, and If so, which chapter, when, and what was the outcome?

• Is the lawsuit well drafted and adequately supported by account level documentation?

• Does the lawsuit include communications or allegations that violate the FDCPA or other consumer rights statutes?

• How many lawyers are employed by the collection law firm and what is their average caseload?

• How reliant is the collection law firm on generic "fill in the blank" templates versus individually researched pleadings and motions?

• How much litigation and trial experience does the collection lawyer have?

• How reliant is the collection law firm on contract based "appearance counsel" to handle their caseload?

Debt Relief Options