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• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Foreclosure Defense
• Consumer Collection Defense
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• Sub-prime mortgages pose risks for borrowers.

• Creditors sometimes use harassment or illegal tactics to collect debts.

• Interest rates are raised by lenders without the borrowers' knowledge.

• Kickbacks and backroom deals raise costs for consumers.

If You Are the Victim of Illegal Lender, Sales or Contract Practices, You Have Rights.

How can consumers protect themselves against questionable or even illegal practices by lenders, service providers, creditors and other businesses? It's not easy, but you do have rights. There are a number of Florida and federal laws that protect you when companies engage in misleading or fraudulent practices.

If you are in debt and a victim of certain types of illegal practices, you may even be able to collect damages or have your debt reduced. A consumer collection defense attorney can help.

I have been practicing as an attorney in debtor-creditor law for over 15 years. As an experienced trial lawyer committed to consumer collection defense, I fight aggressively for the rights of consumers. Whether you are facing debt from an unfair sub-prime mortgage, a confusing contract, threatening collection calls or another consumer complaint, contact me by e-mail or call (877) 820-0334 for a consultation.

There are many laws and acts protecting consumers, including state laws such as Florida's Lemon Law, laws passed by both Florida and the federal government, and federal consumer protection laws:

RESPA — The Real Estate Settlement Procedures Act

According to the U.S. Department of Housing and Urban Development, the Real Estate Settlement Procedures Act is designed to "help consumers become better shoppers for settlement services and to eliminate kickbacks and referral fees that unnecessarily increase the costs of certain settlement services." If your lender or mortgage broker violates this act, a consumer collection defense may be able to help you collect damages of up to three times what you paid for your settlement services.

The Truth in Lending Act (TILA)

The Truth in Lending Act protects consumers who are involved in credit transactions by requiring most creditors to clearly disclose important information about loans. Creditors must tell you under what circumstances they will impose a finance charge (such as interest on your monthly balance), how they will compute those charges, and how much your finance charge will be — and they have to reveal how much interest you will be paying as an annual percentage rate, not just a daily or monthly rate. If lenders violate the TILA, you have the right to seek your actual damages and twice the amount you paid in finance charges, up to $1,000. (If the loan was for your home, up to $2,000.)

The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act protects consumers by prohibiting collection agencies from lying, harassing you, threatening you with jail, using tricks or doing certain other things to collect a debt. The worst offenders can be sued by the debtor for as much as $500,000 for violations. As a consumer collection defense lawyer, I can help you determine if your creditors have violated this law and whether you can sue for damages.

Contact Me for a Consultation

I am here to help people who have been defrauded or have faced other illegal behavior by lenders, debt collectors or other companies. To schedule a consultation about consumer collection defense, contact me by e-mail or call me toll free at (877) 820-0334.

My law office is conveniently located close to I-75 and the Palmetto Expressway 826. My office hours are Monday to Friday, 8:30 a.m. to 5:30 p.m., and I offer evening and Saturday appointments by special arrangement.

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