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__Debtor’s Rights

The economic recession and continued downturn in the job market has caused financial hardships for individuals, families, and businesses across the U.S. and beyond. Accordingly, the number of people seeking information about debt relief and sound financial strategies has increased. When families or business owners need help to preserve their homes, their belongings and their dignity, The Law Offices of Newman & Drukman offer reliable legal knowledge and advice.

Debtors Have RightsSome debt collectors have amply demonstrated that they will say anything and employ the most questionable of tactics to collect outstanding debts.

It is important that debtors know they are given specific rights by federal legislation known as the Fair Debt Collection Practices Act.

The FDCPA addresses such issues as communication about debts that is directed to someone other than the debtor, harassment, use of obscene language, abuse of the debtor’s telephone, misrepresentations related to the debt, and other matters.

Source: Federal Trade Commission

The New York debtor’s rights attorneys at our firm understand how difficult and embarrassing it can be to admit that you are unable to meet your financial obligations. At The Law Offices of Newman & Drukman, our veteran debtor’s rights lawyers are committed to the belief that every client deserves legal services of the highest quality, personalized attention, and treatment that reflects our respect for you.

Drawing on our firm’s capabilities in finance, planning, consumer law and other specialties, the New York debtor’s rights lawyers at The Law Offices of Newman & Drukman work with individuals, families, and businesses who need to know their rights and options regarding debts and their collection.

A centerpiece of debtors’ rights is the Fair Debt Collection Practices Act, which is designed to curb deceptive, abusive and unfair practices used by debt collectors. In most circumstances, this consumer protection legislation provides debtors with protection from harassment by companies that seek to collect outstanding debts. Important to know is that the FDCPA does not protect debtors from phone calls, mail contact, and other tactics if used by their actual creditors – that is, the company that originally loaned the money or extended the credit to the debtor.

Among the threats likely to cause debtors severe distress is the threat of a lawsuit by a creditor. At The Law Offices of Newman & Drukman, our New York debtor’s rights attorneys know that threatening a lawsuit and winning a judgment against a debtor are two very different considerations. Debtors are entitled to require a creditor to prove that the debt is owed, the correct amount that is owed, and that it is the debtor who rightfully owes it. Debtors may employ a number of defenses to answer creditor’s suits, and many times the creditor does not prevail. Often, creditors are agreeable to settlements that enable the parties to avoid litigation entirely. New York debtor’s rights attorneys at our firm are consummate negotiators who can often resolve disputes over debts by alternative means, saving both debtors and creditors time, stress, and money.

When individuals, families, or business owners need reliable advice, the debtor’s rights lawyers at The Law Offices of Newman & Drukman are the knowledgeable and experienced professionals New Yorkers depend on. We are well-versed in the issues surrounding both personal and commercial debt collection and resolution. We invite you to schedule a consultation to review your situation and discuss your rights and options under New York law. Call our firm at (516) 487-7375 or contact us through our website.

The Law Offices of Newman & Drukman represent clients throughout the New York City and Long Island area, including Queens, the Bronx, and Nassau and Suffolk counties.