GM Law Firm Is Debt Defense Lawyers Who Fight Debt

Consumer debt hit an all-time record high in Q2 of 2019 surpassing $13.86 trillion. With many Americans struggling to pay off their debt, they often need help outlining a debt defense strategy that seeks debt resolution.

The GM Law Firm in Boca Raton, Florida, continues to fight for consumer’s rights and help those who have fallen into dire financial hardship by taking on too much debt. Falling into debt is never a conscious choice, but is often due to circumstances out of your control. Some unexpected mitigating factors that cause debt include:

  • Loss of job
  • Sudden medical emergencies
  • Natural disasters or pandemic
  • Spikes in college tuition

These are just some of the reasons why Americans are more and more seeking ways to eliminate debt and find ways toward total debt resolution that won’t destroy their credit. At the GM Law Firm, we present a strong debt defense that finds the nuances and strengths of your case that will make you prevail in the case of a debt lawsuit.

Better yet, the GM Law Firm can help avoid a debt lawsuit merely by targeting one of several federal consumer protection laws that put consumers in the driver’s seat against harassing and illegal debt practices.

Fair Credit Billing Act
(FCBA)

Designed to account for errors in billing statements, transfers and other statements.

Fair Debt Collection Practices Act (FDCPA)

Outlines and determines what is considered debt collector harassment.

Fair Credit Reporting Act
(FCRA)

Promotes the fairness, accuracy and privacy in information and reports disseminated by consumer reporting agencies.

Fight for Your Debt Rights

Consider just three of the most aggressive federal laws that provide consumers with protection against unlawful debt collection methods.

  • The Fair Debt Collection Practices Act (FDCPA)
  • The Telephone Consumer Protection Act (TCPA)
  • The Fair Credit Reporting Act (FCRA)

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to prevent harassment by a collector. The measure restricts the times of day and the manner in which collectors can contact consumers. For example, a lawsuit may be brought against the debt collector for damages and attorney fees if calls are made to the consumer outside the window of 8am to 9pm.

To further aid consumers against harassing phone calls, the Telephone Consumer Protection Act (TCPA) was passed to regulate the use of automated dialing equipment. The TCPA forbids collectors from calling a consumer’s cell phone using an automated dialer after being notified of attorney representation or being asked to stop the contact. The third-party collection service can only dial manually, meaning they must physically punch in each of the numbers to be dialed. Violations of the TCPA regulation can cost the offender up to $1500 per incident.

In addition to the FDCPA and the TCPA there’s the Fair Credit Reporting Act (FCRA). The FCRA mandates that every credit reporting agency maintains accurate information. The act also forbids a collection service from calling a debt “delinquent” without first reporting that the account is actually in dispute after the law firm has sent letters to the creditors and credit bureaus asking for the account to be validated and disputed. 

“We sit down with consumers to help them understand their rights and the laws that have been passed to protect them,” asserts GM Law Firm’s Senior Partner, Chantel Grant. “We make certain that people are empowered and not intimidated by aggressive debt collectors so that we can seek the elimination of debt and avoid potential debt lawsuits.”

Understanding the Fair Debt Collection Practices Act (FDCPA)

According to the FDCPA, harassment from debt collectors can appear in many different forms including: 

  • Calling before 8am or after 9pm
  • Repeated and continuous phone calls, often several times per week
  • Using obscene, profane or abusive language
  • Threatening violence, arrest or legal action if they fail to pay
  • Threatening to publish your information on a “bad debt list”
  • Not identifying themselves as debt collectors or refusing to give an accurate name
  • Speaking with someone else – like an employer, friend or family member – about your debt
  • Calling at a workplace

Many people experience harassing “robocalls” or cold-calling salespeople, so we all understand the frustrating nature of this ethically-thin business. But when it comes to debt collectors, no calling sector can be more unpleasant to deal with than this group.

To the individual already angry and frustrated trying to figure a way out his debt hole, these harassing agencies only add to the pain. To make things worse, no matter how hard you plead or politely ask the caller for some modicum of privacy or respect, they still call. And call. And call.

At the end of the day, hiring a debt resolution and lawsuit attorney like the GM Law Firm can help you regain control of your life. The debt lawsuit specialists help you understand where your rights are being violated to then build a case against these nefarious groups.

Better yet, once you hire the GM Law Firm, the debt resolution process is now out of your hands. You will never have to speak with another debt collector or lender again. We take over all communications with your debt collectors. We help the hunted become the hunter and can assist not only in your ultimate debt resolution, but oftentimes seek monetary retributions as well.

Under the FDCPA, there are a myriad of restitutions that can be won in a lawsuit including monetary damages, attorneys’ fees and more. If a debt collector violates the FDCPA, you could sue the collector in court in hopes of recovering monetary damages for violations and/or attorney fees.

Understanding the Telephone Consumer Protection Act (TCPA)

The TCPA, enacted in 1991, restricts various actions that telemarketers and, in the case of debt-collections agencies, use to make contact with a consumer. In the case of collections, agencies are not allowed to use an automated dialing system. In short, all third-party collectors must manual dial the phone – by hand – in order to contact a debtor.

In addition, if you are on the federal Do Not Call (DNC) list and are still contacted by a collection agency, you may have a grievance and a defense against their actions. The GM Law Firm will review your circumstances to find the areas where you may have experienced TCPA violations that will prevent any debt lawsuit.

Understanding the Fair Credit Reporting Act (FCRA)

This federal law can help with a debt-related lawsuit or legal issue as it supports your privacy, and the fairness and accuracy of all information that pertains to your credit history, check writing history, medical records and more that are stored by major credit bureaus. Some of the protections guaranteed by the FCRA include:

  • The right to know what your file contains
  • Specific information in your file that’s being used against you
  • Your right to an accurate credit score
  • Your right to dispute any inaccuracies
  • The use of outdated information, especially if deemed negative, against you. All inaccurate or incomplete information in your file must be updated within 30 days or receiving notice and corrections
  • Your privacy should be guaranteed by you giving consent for reports to be provided to an employer as access to your file is limited by law
  • If any of your records don’t match what’s being reported or, worse, your privacy is breached, the GM Law Firm can help explain your rights and courses of action against these FCRA violations

GM Law Firm Is Here to Help

There are also many other factors that come into play when seeking help with your debt. Statute of Limitations differ from state to state, but in some cases the statue may have run out since the time you were initially contacted.

Whatever you do, don’t ignore mounting debt and debt collector notices in hopes the issue might just magically go away. It won’t, and the debt situation will only get worse as time passes and bills continue to mount.

We also advise never to fight debt collectors without the benefits and backing of a debt legal firm like the GM Law Firm. Credit card companies are professionals when it comes to making consumers feel weak and helpless in the face of debt collection. They are also intimate with the threat of a debt lawsuit. You cannot fight them alone. They will exploit your lack of knowledge in the debt arena.

You need a skilled professional on your side to fight their fire with fire of your own. Our attorneys can most likely negotiate a debt resolution that is far more favorable to you than if you had done it yourself.

Your best course of action is contacting the GM Law Firm for a free initial consultation. We can explain in detail your rights and a prudent course of action. We are the advocates in your corner who can eliminate your debt, restore your credit to the best it can be and help guide you to the bright light at the end of the tunnel — financial freedom!

GM Law Firm’s Senior Partner, Chantel Grant, ESQ., has spent her entire legal career fighting and winning debt-collection cases. She and her team of legal debt specialists understands the different legal defenses and paths to success for fighting credit card debt, medical debt and private student loan debt. 

GM Law Firm will analyze the complaint filed against you and search for deficiencies and clear examples of unlawful debt collection practice and unfair or improper credit reporting to be used as weapons in your defense against your debt collectors while avoiding or fighting a debt lawsuit.

Stop debt collection calls and harassing debt collectors by hiring an attorney group that specializes only in debt resolution and debt lawsuit defense. Whatever you do, do not ignore your debt. No matter whether you have credit card debt, private student loan debt or medical debt, the GM Law Firm can help defend you against a debt lawsuit and find a way to get you out of debt.

About GM Law Firm, LLC

GM Law Firm  is a consumer advocacy law firm based in Boca Raton, Florida, that empowers clients battling credit card, private student loan and medical debt to fight for their rights and help negotiate a satisfactory debt resolution. The experienced attorneys from the GM Law Firm, LLC, also legally protect clients against harassing debt collectors and provide a customized strategy for debt defense. Contact GM Law Firm for a consultation.