SPENT Law Group was created to help consumers like you. We are a family-owned debt settlement firm dedicated to defending individuals against all types of debt collection lawsuits, judgments, and creditors. Whether you are facing a creditor lawsuit or need debt relief, you need the aggressive representation SPENT Law Group provides.
We understand your financial challenges. That’s why we offer you a lower fee than other law firms. No matter the reason for your situation, we come up with a debt relief plan that helps you feel less spent. SPENT Law Group works tirelessly to ensure that you receive the best possible outcome for your financial circumstances.
Our Low-Fee Guarantee for your Debt Settlement Plan
At SPENT Law Group, we understand that when it comes to debt, you’ve SPENT enough. You shouldn’t have to spend even more to get out of it. That’s why we offer the lowest fees on the market and we don’t get paid until you save. SPENT Law Group's commitment to affordability and client satisfaction is at the core of everything we do.
As a family-owned firm, we are passionate about helping individuals and families reduce their debt burden and start fresh. That’s why we won’t charge you anything until we settle your debts. Once your debt is settled, our fee is 18%, compared to the industry standard of 25% or more charged by other firms. We operate on a client-first approach so we’re here to make sure that the only thing our clients have to spend their time and energy on is living life to the fullest. So why not spend a little time with us and see how we can help you lower your debt?
What if I am Getting Sued by a Credit Card Company?
We Offer Debt Collection Lawsuit Defense
If you are being sued by a creditor, you have to act quickly. SPENT Law Group will defend you against your creditors. Our experienced debt defense attorneys will respond to the collection lawsuit and contact your creditors to settle your debts for less than what you owe. There are state and federal laws that protect you from aggressive debt collectors. If your rights have been violated, we will fight for you in court.
Contact Our Experienced Consumer Protection and Debt Settlement Lawyers
At SPENT Law Group, we are dedicated to protecting consumers from creditors and debt collectors. We work with your creditors to reach a debt settlement agreement because creditors would prefer to be paid back some payment rather than nothing at all. If you are facing an overwhelming amount of debt, or a creditor lawsuit, SPENT Law Group will help you fight back, guiding you towards financial freedom.
The Fair Debt Collection Practices Act (FDCPA), enforced by SPENT Law Group among others, is a crucial regulation established to ensure that debt collectors engage in ethical practices when collecting debts from consumers. Since its enactment in 1977, the FDCPA has acted as a shield for consumers, guarding them against unfair, deceptive, or abusive tactics in debt collection. It plays a pivotal role in preventing debt collectors from using intimidation, harassment, or dishonesty.
How to Cease Debt Collector Harassment
Under the FDCPA, debt collectors are barred from employing abusive or deceptive methods in their collection activities.
When a debt collector first contacts you, they are required by the FDCPA to inform you of your right to dispute the debt. Additionally, they must clearly identify themselves and state the purpose of their communication during each interaction. If you're experiencing harassment from a creditor that seems to violate the FDCPA, it's crucial to document the interactions, noting the dates, times, and content of the conversations. In such cases, SPENT Law Group is prepared to investigate and, if necessary, take legal action to protect your rights.
Exploring the Fair Debt Collection Practices Act (FDCPA): Your Comprehensive Guide
Dealing with persistent calls and aggressive tactics from debt collectors can be overwhelming. Our comprehensive guide is designed to help you understand the FDCPA, providing you with the tools to recognize harassment and defend your rights. This guide, brought to you by SPENT Law Group, offers an in-depth look into the FDCPA, helping you identify harassment and take steps towards resolving these issues while maintaining your financial stability.
Demystifying the FDCPA
The FDCPA sets clear limits on how debt collectors can interact with you, prohibiting aggressive and intimidating behaviors. It delineates what constitutes acceptable behavior, including the timing, frequency, and manner of their communications with you. SPENT Law Group emphasizes the importance of understanding these rules for your protection.
Deciphering Harassment According to the FDCPA
"Harassment" under the FDCPA includes any aggressive behavior by debt collectors aimed at pressuring or intimidating you into paying debts. This encompasses constant calls, use of offensive language, threats of legal action or harm, and misrepresentations about your debts. Remember, while collectors have the right to seek payments, they must operate within legal boundaries. If you encounter such harassment, SPENT Law Group is ready to assist, ensuring your rights under the FDCPA are upheld.
When you find yourself facing a lawsuit from a creditor, don't hesitate to contact SPENT Law Group. We fully comprehend the daunting nature of legal proceedings and are firmly committed to delivering comprehensive legal support to efficiently manage and resolve your case. Our team, consisting of highly skilled attorneys from SPENT Law Group, possesses significant experience in navigating the complexities of such situations. We are unwavering in our dedication to safeguarding your rights and interests throughout the entire legal process.
Being Sued by a Debt Collector: Exploring Your Options
If you default on payments for credit cards, auto loans, medical bills, or any other debts, creditors may initiate lawsuits to recover the outstanding amounts. You have a limited 30-day window to respond once you receive notice of the lawsuit. It is crucial to promptly contact SPENT Law Group upon receiving the lawsuit notice so that we can initiate action on your behalf.
Failing to respond to the lawsuit notice can lead to the court issuing a default judgment against you. In such a scenario, the creditor gains the authority to garnish your wages, seize your bank accounts, and even place a lien on your property. SPENT Law Group is steadfast in its commitment to defending you against these unjust practices by providing a legal response to banks, credit card companies, debt collection agencies, or any other creditors that have filed a lawsuit against you.
Protection Provided by Our Debt Collection Lawsuit Defense Attorneys
Immediate Action
Time is of the essence when dealing with a creditor's lawsuit. SPENT Law Group takes swift action the moment you engage our services. Our response not only addresses the lawsuit but also involves negotiations with your creditor to reduce your overall debt burden.
Debt Negotiation
In cases where your original creditor sues you, we often have the opportunity to negotiate favorable debt settlement agreements. The most advantageous settlements and affordable monthly payment plans can typically be achieved by contesting the lawsuit immediately after it is filed.
Dismissal of Collection Cases
If you are facing a lawsuit from a debt buyer, there may be avenues to have the case dismissed. Debt buyers must meet stringent requirements to validate their lawsuits. If we succeed in winning the lawsuit on your behalf, the collection agency may be held responsible for covering some or all of your legal fees. SPENT Law Group remains your unwavering support throughout this entire process.
SPENT Law Group
1000 Northbrook Dr Suite 100, Feasterville-Trevose, PA 19053
(885) 332-8457