Dallas County Debt Defense Lawyer

Dealing with debt collectors is stressful. We all try our best to pay our bills on time, but sometimes life happens and unforeseen events cause us to struggle. When this happens, it can be difficult to see past the obstacles and realize that there are debt defense options available.

At Daic Law, we are dedicated to helping Texan’s find those debt defense options they need. We work with each client to understand their situation and find options to reduce or eliminate debt. Our Dallas County debt defense lawyer will work with you to explore all debt defense options, including:

• Mistaken Identity
• Identity Theft
• Statute of Limitations Expiration
• Illegal Debt Collection Practices
• Debts Already Paid
• Payment Arrangements
• Lack of Documentation
• Improper Service

There are many defenses available that most consumers never realize.

In Depth Help with Debt Defense Matters

Credit cards, medical bills, student loans, mortgage, auto loans – you incur these debts in an effort to support yourself, your family, and your wellbeing. Unfortunately, if something happens and you can’t pay back those debts, debt collectors and creditors may start hassling you.

There are many aspects of debt-related cases that consumers simply aren’t aware of. The fine print, for example. Credit card companies often abuse the fine print and trap consumers into terms they don’t see or understand.

Similarly, when debt collectors start calling you, there are certain things that they are legally prohibited from doing. If they violate the law, you can hold them accountable.

What Debt Collectors Are NOT Allowed to Do

Many consumers are not familiar with the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from certain activities and behaviors. The goal of the FDCPA is to protect consumers and limit how debt collectors can contact you. Since debt collectors are notorious for harassing and incessantly calling consumers, it is important that you know your rights.

Under the FDCPA, debt collectors cannot do the following:

• Call you before 8 a.m. or after 9 p.m.
• Call you at work once you have requested them not to
• Communicate with third parties (family or coworkers) about your debt
• Use obscene or profane language
• Threaten you with violence or jail time
• Threaten to publish your debt publicly
• Use misleading or deceptive practices
• Imply they are an attorney or a government representative
• Continue to contact you once you tell them to stop

If a debt collector does any of these things, they are violating your rights. What’s more, you deserve the opportunity to hold them accountable.

How Can a Dallas County Debt Defense Lawyer Help Me?

Daic Law is a civil litigation law firm specializing in consumer debt defense. There are many ways that we can help you if you are struggling financially, are facing bankruptcy, or have received a lawsuit summons. Our team can help with the following (and more):

• Thoroughly investigating the details of your debt and all communication between you and the creditor and/or debt collector.
• Exploring whether the debt collector violated the FDCPA or other laws.
• Negotiating with creditors or debt collectors to reduce or eliminate certain debts.
• If you have received a debt collection lawsuit summons, we can help you file your response and prepare a defense against the accusations and debt.
• We can take over communications between you and the creditor and/or debt collector so you can relax and focus on your case.
• If needed, we will defend and represent you at trial.

You should never ignore debt collectors or debt collection lawsuit. However, you don’t have to face it alone. There are debt defense options that can help you regain control over your financial situation.

Speak with a Dallas County Debt Defense Lawyer

At Daic Law, our Dallas debt defense attorney knows how stressful and emotional this time is for you and your family. We want you to know that our team is dedicated to protecting your rights and dignity and helping restore you to financial security and freedom.

Speak with our Dallas County debt defense lawyer today by calling 877-893-6040, or by emailing info@daiclaw.com. We offer a free consultation to every potential client, so you have nothing to lose.