Unmatched Consumer Debt Defense & Negotiation Attorneys
Understanding and Responding to Creditor Lawsuits
If served with a petition, a creditor is likely trying to collect an unpaid debt balance. They often request you be held legally responsible for the amount, plus their attorney fees and court costs
Your Step-by-Step Debt Lawsuit Defense
Here is what you can expect when we handle your debt collection case at Harmon-Taylor Law Offices:
Case Evaluation & Defense Strategy
Evaluate your lawsuit for possible defenses and explain your options, which may include fighting the lawsuit or negotiating a settlement
Filing Your Legal Answer
File your legal answer to prevent a default judgment which can result in wage garnishment and levying of property
Discovery Response Management
Respond to discovery, Including interrogatories, request for production of documents, and admission
Defending Against Invalid or Unfair Claims
Defend against legally expired, inaccurate, false or unconscionable claims, including but not limited to, balances with legally unfair interest rates, incorrect balance, unfair balances, or incorrect creditor names
Pursuing Counterclaims for Violations
Mount counterclaims against debt collectors that engage in Unfair Debt Collection Practices
Negotiate & Settlement Advocacy
Negotiate with the creditor for dismissals or reduced settlements
Ongoing Communication & Client Updates
Keep you well informed at every stage of the process
Expected Debt Reduction
The final reduction amount varies widely. It depends on the creditor, debt size, your financial hardship, and your history. Reductions can range from 40% to as low as 18%, though some creditors may not negotiate at all.
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Impact on Credit Score
Settling a debt for less than the full amount can negatively impact your credit score. This decision may result in some damage to your credit history.
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Tax Implications
Yes, there are tax consequences when a debt is settled for less than the full balance owed. We highly recommend you consult with a qualified tax professional for specific advice.
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Consumer Debts We Defend
We provide defense for all consumer debts filed by creditors. This includes, but isn't limited to, credit card debt, consumer loans, medical bills, and lines of credit.
Our Guidance Matters
Let us help you navigate your debt concerns—connect with our experienced team for a confidential review and discover your options today.