The Law Firm of Diaz & Associates P.A. can provide legal representation and advise on any Debt Settlement matters you may have. Dealing, on your own, with debt collectors or collections agencies can be both frustrating and aggravating. We are here and ready to help.
Some say the recession is over. For a lot of us, it is definitely not! Many in New Jersey are still facing hard times. Loss of jobs, reduction in work hours, having to accept lower paying jobs combined with high mortgage or rent obligations and ridiculously high credit card rates have greatly reduced our capabilities to keep pace with our payments. If you have received calls from a debt collector, collection agency, or their "attorney" please be aware that you have particular legal rights under the law.
The US Congress concluded that "There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instabilities, to the loss of jobs, and to invasions of individual privacy." As a result of their findings they enacted, in 2010, the Fair Debt Collection Practices Act, which gives you certain protection and legal recourse should your rights be violated.
The Debt Collector must abide with rules on how he notifies you, how and when he communicates with you as well as prohibiting him from harassing or abusing you.
Some unscrupulous debt collectors will try unlawful techniques to get you to pay because they think you don't know the law and that you won't defend your rights. Please don't let that happen to you, contact Diaz & Associates P.A.
Even if the Debt Collector follows the letter of the law and complies with all its conditions, the Law Firm of Diaz & Associates P.A. can still be of tremendous assistance in helping you in your personal financial crises. We can be there for you in a number of ways such as:
So if you are either harassed by bill collectors or just have too much debt for your income, we at the Law Firm of Diaz & Associates P.A. will work with you by providing timely expert debt relief advice and individualized solutions that will work for you. Keep the wolf from your door – Don't do it alone.
Diaz & Associates P. A.
309 Fellowship Road
Mt. Laurel, NJ 08054
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