Debt Collection Defense Archives - Garmo & Kiste PLC | Troy Michigan Attorney | Lawyer 248-398-7100Garmo & Kiste PLC | Troy Michigan Attorney

Sued by Meyer Njus Tanick in Michigan? We can help.

Meyer Njus Tanickis a law firm that represents creditors and specializes in debt collection cases. In some instances, individuals have reported that Meyer Njus Tanickhas, on behalf of its clients, taken large sums of money from bank accounts for judgments on debts. It may seem unfair but it may still be legal. Debt collectors are notorious for using abusive and fraudulent means to collect money. It is not uncommon for them to add on interest or fees to increase the balance you supposedly owe. If they do this, they are in violation of the Federal Fair Debt Collection Practices Act. Some individuals report that they never received notice of a default judgment entered against them. These situations can be confusing and frustrating but the attorneys at Garmo & Kiste, PLC are here to help. If you are having trouble with a debt collector or have been sued by a law firm such as Meyer Njus Tanick, call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message. We are an aggressive law firm that will fight for your rights.

Another thing to keep in mind is that all debt collection communications are not necessarily legitimate. Debt Collection Scams are increasingly common. These are different from the legitimate debt collection actions taken by actual creditors. Consumers have reported getting frightening and threatening phone calls demanding payment of outstanding payday or internet check cashing loans. The caller may claim to be a representative of a law firm or even the government. These callers probably won’t abide by the rules of the FDCPA so if you are being subjected to abusive debt collection behavior such as calling before 8 am or after 9 pm, this is a red flag and you should seek help. The scariest aspect of being contacted by fake debt collectors is that they may have a lot of accurate personal information about you including your birthday or even your Social Security number. Be sure not to give any additional information about yourself and seek help.

Even dealing with legitimate debt collectors can be a harrowing experience. If you are in this position the attorneys at Garmo & Kiste, PLC are here to fight for you. If you have outstanding debt, have been harassed by a debt collection agency or contacted by a law firm such as Meyer Njus Tanick, please contact us at (248) 398-7100 or send us a private message.

If you have received a letter from Zwicker & Associates, PC or another debt collection firm stating you have an outstanding balance, there are a few things you need to know. Zwicker & Associates, PC is a debt collection firm that frequently represents Discover and American Express. They pursue legal action on behalf of these debtors, hoping to collect outstanding debts.

Debt collectors are required to follow certain rules, though some will push the legal limits. They are required to inform you of the exact amount you owe, tell you who they are and what entity they represent. They are not allowed to give you false information, claim that they work for a credit reporting agency, or tell you that you are guilty of committing a crime. If you have been contacted by someone claiming any of these things, this is a signal that the debt collector may be using abusive, illegal practices.

There are a number of tips you may implement in order to ensure you don’t get strong-armed by these entities. Ensure you are familiar with your rights under the Federal Fair Debt Collection Practices Act (FDCPA). The FDCPA may apply to lawyers if they are acting as a debt collector. Further, though the debtor hopes to collect the full amount of your balance, you may be able to settle for less than the amount they claim you owe. Even if you owe a large amount, bankruptcy is not your only option. Paying a lump sum may not be possible for you but an experienced attorney can be instrumental in reaching a settlement and arranging a payment plan with collection firms such as Zwicker & Associates, PC on your behalf. This can make it easier for you to pay off outstanding debt.

For more information about Debt Collection Defense and Zwicker & Associates, PC or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

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Have you been contacted or served CACH, LLC? Most individuals who have been contacted by CACH, LLC have never heard of the company before. CACH, LLC is a debt purchaser or a Junk Debt Buyer. They buy debt from banks and other financial institutions, and then bring action against the borrowers. In Michigan CACH, LLC is often represented by G. Reynolds Sims and Associates, P.C. ans Weltman Weinberg & Reis.

The process of selling and buying debt is perfectly legal and is fairly common. However, there are rules in place that protect individuals and to control how Debt Collectors conduct themselves. The Fair Debt Collections Act covers personal and household debt including debt from credit cards and auto loans. The FDCA dictates that debt collectors may not harass anyone or use deceptive practices in attempts to collect the debt. Harassment includes calling repeatedly with the intent to annoy or abuse any person at the called number. Debt collects cannot contact you at unreasonable times. For example, they shouldn’t be contacting you at 6 a.m. or 10 p.m. If CACH, LLC has engaged in this or other abusive behavior, they are in violation of the FDCA. CACH, LLC and other debt collectors are permitted to contact third parties to get information about you. Further, they may make multiple attempts to contact you. Obtaining an Attorney can help you avoid the stress of communicating with debt collection agencies. If you are being contacted in regards to paying a debt please contact Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

If CACH, LLC is taking legal action against you to collect the debt, you will need an attorney that can navigate the unique legal landscape of debt collection. The legal process can be confusing and frustrating even when debt collectors conduct themselves legitimately. The attorneys at Garmo & Kiste, PLC can do just that. We regularly handle debt collections cases and have worked with debt collectors in the past. This gives us a unique advantage because we understand both sides of litigation.

For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

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LVNV Funding is a debt collection agency, often referred to as a Junk Debt Buyer. Their business is based in purchasing your debt from an organization that you owe money to. The organizations they may have purchased your debt from include banks or other financial institutions or even other debt collection agencies. Once they own your debt, they will become the collector and will pursue payment from you. If they contact you about debt collection or if their name appears on your credit report this may mean that you owe them money. Understanding and handling your debt situation is complicated and often times confusing to the point of frustration. For more information about LVNV Funding, call us at (248) 398-7100 for a free consultation or contact us with a private message. We are licensed Michigan attorneys, with offices in Troy, and Lake Orion Michigan.

In Michigan LVNV Funding is often represented by Mary Jane Elliot’s office, Weltman Weinberg & Reis, or Stenger & Stenger, P.C. You may have received letters about the amount you owe, describing the transfer of your debt. You may see names of debt collection agencies you’ve never heard of before, including LVNV Funding. That’s because your debt can legally be transferred multiple times without your consent. Amidst these transfers, you may lose track of a debt you owe. Often times individuals receive notification about owing a debt that is higher than they were expecting. It can be very difficult to understand the transfer of your debt and even more difficult to get any information from debt collection agencies such as LVNV Funding. The attorneys at Garmo & Kiste, PLC are here to answer your questions and will pursue the information you need. It is important to go through the process with an expert to ensure that your debt payments are given to the correct debtor and that the proper documentation follows in order to ensure that your debt will be legitimately and wholly cleared. This is especially important when you see multiple names, including LVNV Funding, on statements.

In some cases, the behavior of LVNV is not legal. Their actions could be in violation of the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that serves to protect consumers from abusive debt collection behavior. This includes communicating at unusual times or contacting you directly once you have obtained an attorney. Though this law applies in Michigan, many are unaware of the protection it grants. If LVNV or another debt collection agency has engaged in behavior such as this, please contact Garmo & Kiste, PLC to help. For more information about LVNV Funding, call us at (248) 398-7100 for a free consultation or contact us with a private message. We are licensed Michigan attorneys, with offices in Troy, and Lake Orion Michigan.

The attorneys here at Garmo & Kiste, PLC have expertise in this area of law. Hiring Garmo & Kiste, PLC will give you a leg up on LVNV Funding and other debt collectors because we have worked with debt collectors in the past. We are knowledgeable about the debt collections process and how these businesses handle these matters. We have also handled numerous cases for defendants facing legal action by a debt collection agency. We have the experience to handle your case no matter what your needs are. Call us at (248) 398-7100 for a free consultation or contact us with a private message.

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Do you have mounting Debt? Have you been sued by a medical provider, a credit card company on a bank loan, or by a former landlord, etc.? Let us help you. The Attorneys of Garmo & Kiste, PLC are experienced Debt Collection Attorneys who now specialize in Debt Collection Defense and Bankruptcy Work. In the past we learned the trade working for Credit Card Companies and Debt Collection Agencies. Yearly we handle hundreds of collections and collections defense cases.

For more information about Bankruptcy Lawyers in Troy | Royal Oak | Novi | Clawson | Michigan and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message. We are licensed Michigan attorneys, with offices in Troy, MI. We are not a debt relief agency.

Our Familiarity with Collections Industry…

One of the greatest advantages of hiring our firm is the connections we bring to the process. Because of our past employment, typically we know the Plaintiff, their Attorney, the Court, and the Judge. We can quickly assess the facts of your case, in efforts of determining the best course of action and in turn the best possible result for you, our client. We know more loop holes than most attorneys, and we know when it’s time to fight and when it’s time to settle. For this reason, looking for an attorney who practices in the county where you were ticketed is particularly helpful, that said we regularly practice in Oakland, Macomb, Wayne, and Lapeer Counties. What follows is a list of Collections Defense matters our firm has handled recently.

BANKRUPTCY:

During your free consultation, we will go over your personal situation and explain how bankruptcy may affect each of your debts, property and assets. We will never recommend bankruptcy unless we believe you need it. Unfortunately with the economic recession, mounting obligations, and dramatic home devaluation, debt has become a major anchor around the neck of Americans both in Michigan and nationwide. As a consequence, bankruptcy has become a high volume industry in which many attorneys push unnecessary bankruptcies on consumers to turn quick profits for themselves. At Garmo & Kiste, PLC our aim has always been to provide the very best counsel to our clients and to be as objective as possible about your options, not to turn quick profits.

For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation. Payment plans are available, and as always you are under no obligation to retain our services and our advice during the consultation is free.

What is a Chapter 7 Bankruptcy?

Chapter 7 is the most common form of bankruptcy in the United States. Chapter 7 bankruptcy is sometimes called “liquidation” bankruptcy it cancels your debts, but you might have to let the bankruptcy court liquidate sell some of your property for the benefit of your creditors. If you are being crippled by high credit card debt or medical bills, Chapter 7 may be a way for you to discharge those debts, once complete you will receive a Bankruptcy Discharge and your obligation to the discharged debts will be over. The whole Chapter 7 bankruptcy process takes about four to six months, and commonly requires at least one trip to the courthouse.

For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation.

What is a Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, often called “reorganization” or “consolidation” bankruptcy is very different from Chapter 7 bankruptcy, which wipes out most of your debts. When your income is determined to be too high for a Chapter 7, but you are facing foreclosure on your home, auto repossessions or tax debts, Chapter 13 can help give you some breathing room. In a Chapter 13 bankruptcy you use your income to pay some or all of what you owe to your creditors over time. 99% of all debtors who file Chapter 13 keep their assets, however not everyone qualifies for Chapter 13, and some debtors would be better off filing for Chapter 7.

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