Empowering Debtors with Robust Defense Solutions in New York and New Jersey.Struggling with debt can feel overwhelming, but you don't have to navigate these challenging waters alone. Attorneys at Debtor-Defense.com, offer robust credit and collection defense services to both businesses and individuals across New York and New Jersey. Don't let debt control your life or business; regain your financial stability with us.Our experienced attorneys are skilled in providing steadfast defense against creditors, and our track record speaks volumes. We understand that each situation is unique and we are committed to offering personalized solutions that address your specific needs.Don't delay, take control of your financial future today!Schedule a 15-minute call with an experienced attorney NOW!Services
Business Credit and Collection Defense
Owing money can have severe consequences for your business, but with the Debtor-Defense.com attorneys on your side, you stand a strong chance of mitigating these impacts. We have helped numerous businesses overcome their financial challenges by formulating and implementing effective credit and collection defense strategies.Learn more about our Business Credit and Collection Defense services.Individual Credit and Collection Defense
Personal debt issues can be daunting, but they are far from insurmountable with the right guidance. Our experienced attorneys are here to help you take control of your financial situation. We'll work with you to build a robust defense against creditors.Learn more about our Individual Credit and Collection Defense services.Why Choose Us?
At Debtor-Defense.com, we offer:Expertise in both business and personal credit and collection defense
A tailored approach to meet your unique needs
A team of experienced attorneys who are committed to advocating for you
We understand that facing financial difficulties is stressful, but we are here to make the process as manageable as possible. Let us help you navigate this challenging situation and restore your peace of mind.Time is of the essence!The sooner you reach out to us, the sooner we can start building a comprehensive defense for you.

What is debt collection harassment?: Debt collection harassment refers to any abusive, deceptive, or unfair practices employed by debt collectors during their attempts to collect outstanding debts. These practices can include incessant phone calls, threats, intimidation, use of offensive language, misrepresentation of debts, or any other tactics that violate consumer protection laws.
How can a law firm help with debt collection harassment?: A law firm specializing in debt collection harassment can provide legal representation and assistance if you are experiencing abusive or unlawful debt collection practices. They can help protect your rights under consumer protection laws, negotiate with debt collectors on your behalf, file legal claims if necessary, and seek remedies for any harm caused.
What are my rights as a consumer when dealing with debt collectors?: As a consumer, you have rights protected by federal and state laws, such as the Fair Debt Collection Practices Act (FDCPA). These rights include:

- The right to be treated fairly and respectfully
- The right to request verification of the debt
- The right to dispute the debt's validity
- The right to request that the debt collector cease communication
- The right to sue a debt collector for violations of the law
What actions constitute debt collection harassment?: Debt collection harassment can take various forms, including:

- Excessive or repeated phone calls
- Threats of violence or harm
- Use of profane or offensive language
- False statements or misrepresentation of the debt
- Calling outside of reasonable hours
- Contacting third parties (excluding your attorney) regarding your debt
- Ignoring requests to cease communication
- Falsely claiming to be a government representative or attorney
What should I do if I am being harassed by debt collectors?: If you are being harassed by debt collectors, it is important to take the following steps:

- Document all communication, including dates, times, and content.
- Request written validation of the debt.
- Keep copies of any correspondence received from debt collectors.
- Send a written request asking them to cease contact.
- Consult with an experienced debt collection harassment attorney to assess your rights, explore legal options, and seek appropriate remedies.
Can I sue a debt collector for harassment?: Yes, you may have the right to file a lawsuit against a debt collector who engages in harassment or violates your rights under consumer protection laws. An attorney specializing in debt collection harassment can evaluate your case, gather evidence, and guide you through the legal process of filing a lawsuit to seek compensation for any damages suffered.
Can a law firm help if I am being sued by a debt collector?: Yes, a law firm experienced in debt collection harassment can provide legal defense and representation if you are facing a lawsuit initiated by a debt collector. They can review the allegations, assess the validity of the debt, explore potential defenses, and advocate on your behalf in court.
How can I stop debt collection harassment calls?: To stop debt collection harassment calls, you can:

- Request in writing that the debt collector cease communication.
- Keep a record of all communication attempts.
- Report any violations to the appropriate regulatory agencies.
- Consult with an attorney who can guide you through the process and take legal action if necessary.
Is there a time limit for taking legal action against debt collectors?: Yes, there are time limits, known as statutes of limitations, within which you can take legal action against debt collectors for violations. These time limits vary depending on the jurisdiction and the nature of the violation. It is crucial to consult with an attorney promptly to understand the applicable time limits and protect your rights.
How can I schedule a consultation with your debt collection harassment law firm?: To schedule a consultation with one of our attorneys, please schedule a consultation through the provided contact information on our website. Our team will be happy to discuss your situation, evaluate your case, and advise you on the best course of action to address the debt collection harassment you are experiencing.

Debtor-Defense.com

© DEBTOR.DEFENSE All rights reserved. Affiliated with The Law Office of Barry E. Janay, P. C.DEBTOR.DEFENSE is a trade name of The Law Office of Barry E. Janay, P.C., 354 Eisenhower Parkway, Suite 1250, Livingston, NJ 07039.This page and all other pages and forms (not including external links) on this Website (c) 2023 The Law Office of Barry E. Janay, P.C.