Services & Practice – Bankruptcy Help San Diego

SERVICES

Attorney Representation

Our clients work directly with the attorney during every step of the legal process.

Personalized Legal Service

We believe every client deserves individual, compassionate, and personalized legal service. Our office provides individualized legal services arrangements to ensure each client receives a custom-fit legal experience without overpaying for service that are not necessary or for which they do not want.

LITIGATION PRACTICE

Protect Your Consumer Credit Rights:

Our office is dedicated to providing thorough, well-rounded legal representation. We explore all options to ensure that our clients obtain maximum debt relief, while preserving maximum assets and protecting their consumer rights.

Initial Evaluation and Option Planning Session:

Sit down one-on-one with the attorney to go over your financial situation, discuss potential legal option(s), and develop a plan of action for making your credit great again. Click HERE to learn how you can receive your Initial Evaluation and Option Planning Session at no cost to you, a $600 value!

Mortgage Planning & Strategy Session:

If you are having issues with your mortgage and want to know about your options, potential issues, and consequences, our office provide hourly planning sessions with our knowledgeable attorney who has vast experience in handling predatory lending cases, bankruptcy, asset evaluation, and helping clients in or at risk of foreclosure.

CONSUMER CREDIT RIGHTS

Inaccurate Credit Reporting

Credit reports contain information about where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act, also known as the FCRA, promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. Under the FCRA, both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report.

A significant number of credit reports contain serious inaccuracies. These inaccuracies can have devastating consequences on consumers, including denial of credit or employment. These inaccuracies can come about from such situations as identity theft to inadvertently giving an incorrect address. The good news is that the law requires the credit reporting agencies to fix these inaccuracies, if properly brought to their attention by the consumer. The difficulty is that the consumer must be diligent and follow the requirements of the law. In addition, in many cases, the credit reporting agencies and the creditors do not follow the law. When this happens, the consumer may have claims against the credit reporting agencies and the creditor that may result in monetary compensation for damages.

The FCRA requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

If you would like to learn about your options, including how to obtain a free copy of your credit report, or if you believe that there is inaccurate information on your credit report, the Law Offices of Deborah L. Raymond may be able to help you. Please click HERE to send us a web inquiry or call our office at (858) 481-9559.

Debt Collection Harassment

It is unlawful for a collection agency or a creditor to harass a consumer in the process of collecting a debt. Under the Federal Fair Debt Collection Practices Act, also known as the FDCPA, a debt collector collecting consumer debts is prohibited from using unfair, abusive or deceptive means in collecting that debt. In many cases debt collectors get away with harassment and illegal behavior because most consumers don’t know their rights. The FDCPA protects consumers from improper communications from debt collectors, which may include but are not limited to, excessive telephone calls, communications at inconvenient times or places (such as before 8:00 a.m. and after 9:00 p.m.) or threatening communications. With limited exceptions, a debt collector is also prohibited from communicating with third parties regarding your debts. Additionally, a debt collector must not misrepresent any aspect of the debt, such as the amount of the debt or that legal action has or will be commenced. If a debt collector violates these laws, legal action may be brought against them to recover monetary damages, which may include damages for emotional distress and statutory damages, and attorneys’ fees and costs.

If you feel that a debt collector has broken the law, it is important to contact an attorney as soon as possible, because in addition to a relatively short statute of limitations period, the sooner you are properly documenting your case the more likely you will be able to successfully pursue any legal action. If you feel you have been harassed by a debt collector and want to know your rights, please contact our office as soon as possible at (858) 481-9559 or click HERE to send us a web inquiry.

Lawsuit and Wages Garnished (Debt Defense)

Have you been sued for a credit card debt? Have you received a legal notice to appear in court or a notice that your wages will be garnished? If your answer is yes, you are not alone. Credit card lawsuits have soared in the past few years. Unfortunately, despite potential defenses, a large number of these lawsuits go uncontested, and the creditor receives a quick and easy default judgment. Once a default judgment is entered, remedies such as wage garnishments and bank levies become available to the creditor. Once this happens, bank accounts can be frozen without notice and the debtor’s employer can be notified of a wage garnishment.

If you get sued, it is very important to act quickly. The law only allows a short period of time for the debtor to file a proper response with the Court. You may have defenses to the lawsuit, which could allow you to avoid a default judgment, wage garnishment and bank levies. If a default judgment has already been entered against you, you may still have legal options. But time is of the essence, so you must act quickly. The Law Offices of Deborah L. Raymond provides affordable representation to debtors who have been sued for credit card debt. Please click HERE to send us a web inquiry or call our office today at (858) 481-9559 to learn more and find out about your options.

Unsolicited Phone Calls

Under the Federal Telephone Consumer Protection Act, also known as TCPA, the Federal Communications Commission designated rules in order to help consumers stop unwanted calls, text messages and faxes. The FCC rules apply to unsolicited telephone marketing and collection calls, including those using automated and prerecorded messages. The FCC rules under TCPA include, but are not limited to:

Requiring anyone making a telephone solicitation call to your home to provide his or her name, the name of the person or entity on whose behalf the call is being made, and a telephone number or address at which that person or entity can be contacted.
Prohibiting telephone solicitation calls to your home before 8 am or after 9 pm.
Requiring telemarketers to comply immediately with any do-not-call request you make during a call.

FCC rules also require a business to obtain your written consent on paper or through electronic means, including a website form, a telephone keypress, or a recording of your oral consent before it may make a prerecorded telemarketing call to your residential phone number or make an autodialed or prerecorded collection or telemarketing call or text to your wireless number.

If this is happening to you, there are steps that you can take to stop these unwanted calls. First, the national Do Not Call list protects home voice or personal wireless phone numbers from unwanted calls. You can register your numbers on the national Do Not Call list by phone or on the Internet at no cost. Callers are prohibited from making telephone solicitations to any numbers on the Do Not Call list. Your numbers will remain on the list until you remove them or discontinue service. Telemarketers must remove your numbers from their call lists and stop calling you within 31 days from the date you register. Second, you can opt-out; FCC rules require telemarketers to allow you to opt out of receiving additional telemarketing robo-calls immediately during a prerecorded telemarketing call through an automated menu. The opt-out mechanism must be announced at the outset of the message and must be available throughout the duration of the call.

If you have received unsolicited robo calls or telephone calls that you think may violate the law and want to know your rights, please contact our office at (858) 481-9559 or click HERE.

“We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.”