What Kind Of Lawyer Do I Need For Debt Collection?

Is a debt collector chasing you down for payment? This may be a stressful life experience, but it’s not one you can ignore.

Nor does it need to be a problem without a solution. If you can’t pay a debt collector what they’re seeking, or you have reason to believe the amount they claim you owe is inaccurate, strongly consider hiring a lawyer.

An attorney could potentially secure an ideal outcome for you in this scenario. In the meantime, the following points will help you find the right type of attorney to handle a case involving debt collection.

Reasons to Hire an Attorney for Debt Collection

Hiring an attorney to represent you when debt collectors are threatening legal action or have already filed a lawsuit is potentially beneficial for many reasons. They include the following:

  • An attorney can handle all correspondence with a debt collector. No longer will you need to field harassing phone calls, as you can instruct anyone who contacts you about your debt to speak with your lawyer. Your stress levels may improve significantly as a result.
  • A lawyer may review your debt to determine if you genuinely owe the full amount a debt collector is seeking. A qualified attorney may identify errors that give them reason to dispute your debt.
  • If you do owe a debt, although a lawyer cannot ethically promise a specific outcome to your case, they may be able to negotiate with a debt collector on your behalf. If their negotiation tactics are successful, you might not have to pay the full amount, or you may be able to enter into a repayment plan that’s more reasonable than your current plan.

Be aware that a reputable attorney will typically offer a free consultation. You can meet with one without taking any financial risk, knowing you don’t need to hire a lawyer after your initial consultation if you don’t believe they’re a good fit. As such, there’s virtually no reason not to meet with a lawyer to learn more about your potential options.

Types of Lawyers Handling Debt Collection Cases

Not all attorneys are qualified to serve your specific needs. If you’re facing potential legal action due to an unpaid debt, you need assistance from a lawyer who has the credentials and experience necessary to handle your case.

Search for a firm offering one or more of these services:

  • Consumer protection: You have certain rights as a consumer. If a debt collector is too aggressive, they may be violating those rights. A consumer protection attorney representing debtors may be able to assist you in these circumstances.
  • Bankruptcy debt relief: Filing for bankruptcy is an option you may consider if you will otherwise struggle to pay an outstanding debt. A bankruptcy debt relief attorney can review your case and provide feedback regarding whether this is the best option. They’ll also handle the potentially complex task of filing for bankruptcy on your behalf.
  • Debt lawsuit defense: Search for an attorney offering this service if a debt collector has already filed a lawsuit. A lawyer may be able to settle your case out of court. If you do go to trial, a debt lawsuit defense attorney can represent you.

When meeting with attorneys, ask about their fees and relevant experience. This will help you better determine whether a particular lawyer is a good fit for you.

Debt Collection: A Lawyer Can Help

Coordinating with a legal professional when debt collectors are pursuing you can allow you to confidently navigate what might otherwise be a stressful situation. You must simply know you’re hiring the right type of lawyer. The recommendations here will help you find them.

Debt Legal Defense is a San Antonio, Texas firm offering representation to clients facing debt collection-related matters.