Has a creditor recently filed a lawsuit against you? You may have questions about what your next move should be if so.
One of the best ways to learn about your legal options in these circumstances is to review your case with an attorney. A lawyer could explain how you may proceed based on the strengths or weaknesses of a creditor’s case.
If you hire a lawyer, they could essentially handle the entire case on your behalf, offering you the peace of mind that comes from knowing a professional is on your side. However, when choosing an attorney, it’s important to find one who specializes in debt legal defense.
Debt legal defense is unique when compared to other areas of the law. The following overview will help you better understand how.
A Debt Legal Defense Attorney Must be a Skilled Negotiator
A qualified debt legal defense attorney will tailor their approach to the unique qualities of your case. The strategy a lawyer employs when representing one client may not be the ideal strategy when representing you.
Generally, though, debt legal defense often involves negotiating with the creditor. Depending on the details of your situation, a lawyer may be able to negotiate with a creditor so that you owe less money than they are seeking. Additionally, a lawyer could help work out a payment plan that suits you while satisfying the creditor.
Negotiating effectively with a creditor requires understanding a client’s means while also being familiar with the negotiation tactics that creditors tend to respond to most positively. A lawyer who lacks experience representing clients like yourself may not have the necessary skills to negotiate for a desirable outcome.
Debt Legal Defense Requires an Understanding of Consumer Rights
A lawyer can provide assistance in a variety of ways when you’re the target of a creditor’s lawsuit. For instance, a lawyer could potentially stop a creditor from harassing you or otherwise violating your rights.
You need representation from an attorney who understands consumer rights laws. Be aware, because these laws can vary from one state to another, it’s important to hire an attorney who has experience serving clients in your area.
A Debt Legal Defense Attorney Must Be a Financial Expert
Cases involving creditors taking legal action against debtors naturally involve complex financial issues and laws. Just as it’s wise to enlist the help of an attorney who understands relevant consumer laws, it’s also helpful to hire a lawyer who has a degree of financial expertise that other attorneys may not possess.
When a creditor is suing you, it may also be vital for your lawyer to have a thorough grasp of any financial hardships you may currently be facing. They may need to present evidence of said hardships to a creditor and other such involved parties to demonstrate why you might not currently be able to pay all the money they claim you owe.
Of course, it’s also possible you don’t genuinely owe the money a creditor is seeking. A debt legal defense attorney could potentially show the creditor hasn’t provided sufficient evidence to validate the debt if this is the case.
Debt Legal Defense: A Unique Area of the Law
All types of law involve nuance. Debt legal defense is no different.
When a creditor sues you, you need to hire an attorney who understands the specific nuances impacting your case. Ensure you have the qualified representation you deserve by hiring a lawyer who specializes in debt legal defense matters. Doing so could have a major impact on your financial burden in the future.
Benjamin Trotter is founder of Debt Legal Defense, a firm serving clients throughout the Greater San Antonio area.