New York City Debt Collection Defense Attorneys
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Debt Collection Defense Lawyer in New York City

Law Firm Protecting the Rights of Consumers in NYC

Millions of New York City residents are victimized by inaccurate, unfair, and downright illegal collection efforts each year. Hundreds of thousands are sued each year. Debt buyers and their collection lawyers start lawsuits, garnish wages, and seize property at staggering rates. Often relying on bad information and law-breaking process servers, collectors often misuse the legal system to literally take your money without proper notice.

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Debt Collection Lawsuits

Whether it's for $500 or $500,000, a debt-collection lawsuit can lead to devastating consequences if not properly defended against. All we do at The Langel Firm is defend consumers and fight debt collectors. We constantly study and use all procedural and substantive laws to fight collection lawyers and overturn money judgments. Read more about debt collection lawsuits

Collection Abuse

We sue debt collectors, debt buyers, and collection lawyers for violations ranging from misrepresenting facts to blatantly and knowingly seizing assets without proper due process. Debt collectors often ignore the truth and break the law to maximize their collections. Many collectors lack training in the basic consumer laws designed to protect you. We hold them accountable to the fullest extent of the law. Read more about collection abuse

Credit-Reporting Violations

As a means of collecting debt, collectors furnish damaging information to the credit reporting agencies. Bad credit hurts your ability to get loans, buy cars, and obtain housing. Collectors who report false or outdated information may be liable under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Read more about credit reporting violations

Credit Card Debt

Credit card debt represents the bulk of the debt types we defend against. The same problems of "robo signing" and bad proof you've heard about in the mortgage industry may be even worse in the credit-card collection industry. Credit-card debts are pooled together and sold in massive bundles for pennies on the dollar. Serious evidentiary problems arise when delinquent accounts are transferred in this fashion. We focus on challenging evidence purporting to establish ownership and amount of the debt. An entire body of law relates to this area. Read more about credit card debt

Medical Debt

After a medical emergency, such as an injury or illness, the costs of medical treatment can range into the tens of thousands, or even higher. Collectors for hospitals and medical providers can be relentless at your most vulnerable time. State and federal privacy laws are implicated when unscrupulous collectors use this information against you to compel payment. Read more about medical debt

Cell Phone Bills

Delinquent cell phone debt, like credit card debt, is pooled together and sold in bundles for pennies on the dollar. I see just as much – if not more – abuse in this industry. Debt buyers are quick to buy these debts and sue indiscriminately. Special laws may apply to shorten the time in which a collector can sue you for a cell phone bill. I see innocent parties being targeted for cell phone debt. Read more about cell phone bills

Know Your Rights

Powerful consumer laws relating to defending lawsuits, vacating judgments, suing debt collectors, and suing credit bureaus exist to protect you as the consumer against the overwhelming collection industry. Get a skilled consumer lawyer on your side to help you from drowning. Read more about how to know your rights

Stop Harassment

The mere existence of legal representation brings you legal relief. For example, collectors and their lawyers may not even contact you if you're represented by an attorney. If they do, they are liable under state and federal law. The earlier you hire a lawyer, the quicker relief you'll get from harassment and harm Read more about how to stop harassment

Fair Debt Collection Practices Act

This federal Act is a broad, powerful set of restrictions to remedy the widespread abuse and harassment of debt collectors to extract payment from you. A violation of this Act can entitle you to $1,000, unlimited actual damages, and your attorneys' fees paid. Often times, a collector could end up paying you. Read more about Fair Debt Collection Practices Act...

Garnished Wages

Have you received a Notice of Wage Garnishment by a Marshal, Sheriff, or your employer? This tells you that you've been sued, did not show up (perhaps you did not receive notice), and suffered a default judgment. Don't let your hard-earned wages to be taken. Contact me immediately to stop the garnishment. Read more about garnished wages

Frozen Bank Accounts

You attempt to withdraw money using your ATM card and you're declined because a collection lawyer froze your bank account. All it took was a lawyer mailing to your bank a "restraining notice." It is a legally permissible enforcement device only if the judgment itself is valid. But all too often, the judgment is premised on bad notice, foul play, and inaccurate data making the restraining notice attackable. Freezing innocent people's bank accounts is inexcusable, and in my opinion, often amounts to an unlawful taking. Read more about frozen bank accounts...

Court Appearances

Are you facing a court appearance? Anxious about how to handle it? Consult me for a free consultation to discuss your case and strategy. We can figure out the cheapest, quickest, best way to protect yourself. Consumers have approached me in the past about a simple court appearance but resulted in and making money because of collector abuse. I have practiced in every civil court in New York City and know the individual practices of each court. Read more about court appearances

Credit Card Lawsuits

Credit Card lawsuits continue to flood New York City courts at staggering rates. Studies continue to show that consumers are not being properly notified while debt buyers lack adequate documentation. Some studies show that at least 80% of consumers default (don't show up after being served with a summons and complaint). Minorities are hardest hit. Less than 1% of consumers sued get a lawyer, which leads to devastating consequences. Read more about credit card lawsuits...

Consumer Protection / Consumer Fraud

Consumer protection law ensures fair business practices and the free flow of truthful information in the marketplace. Its aim is to protect the weaker consumer against the stronger business enterprise from unfair and fraudulent business practices. The Langel Firm prides itself for standing up for the little guy in this mass-market metropolis where consumers' rights get overlooked. Read more about consumer defense law

Money / Default Judgments

The unfortunate result of not filing an answer is the threatening default judgment. It's a legal declaration that you owe whatever the collector claims. You always want to prevent a judgment because it allows the creditor to freeze your bank account, garnish your wages, and search for other assets. But even if a judgment has been entered against you, it's not too late – you can hire us to seek to vacate (remove) it. Read more about money / default judgments...

Types of Debt 95% of our practice relates to defending claims of credit-card debt, retail credit card debt, car loans, personal loans, back rent, cell phone, bills utilities, and repossession balances. Whatever the debt type at issue, collectors must fully comply with all laws. Read more about types of debt

Contact a New York City debt collection defense lawyer from the firm for immediate assistance in protecting your rights as a consumer, and your future financial health.