The collection process is as much an exercise in consumer psychology as it is in Philadelphia debt collection.
An experienced debt collector, will use all means at his disposal to convince you, that failure to keep up your installment payments, will have such an adverse effect on your credit worthiness , that you would be committing credit suicide. Is this accurate? Of course not. You have options.
Attorney, Michael A. Latzes, can explain these options....options that will leave you with greater financial security, living life with less stress and an enhanced awareness that to relieve yourself of unaffordable debt gives you a sense of empowerment....a result that no debt collector could ever understand. Their job is to lecture, console, appease, and do what is necessary, to get you to pay that debt! If you can't afford it...then don't.
Creditors will call you all hours .... day and night....they will call you at home or at work....they care not if they jeopardize your job security.....they will go so far as to call members of your family to pressure them to pay your debts or pressure them to pressure you to pay your debt. Are you powerless to fight back? Surprisingly, your not.
Lawyer, Michael A. Latzes, will help you stop creditors' harassing collection practices. We also will defend creditor's law suits or stop them, should that option be appropriate. You have remedies, whether we pursue Chapter 7 or 13, or file a law suit in Federal Court, based on violations of the Fair Debt Collections Act, these legal alternatives will benefit you rather then the debt collector.
Call the Law Offices of Michael A. Latzes at 215-545-0200 to schedule a free consultation. Our offices serve clients in the Philadelphia, Montgomery, Bucks, and Delaware Counties. Should an office visit be inconvenient, consultations can be provided via telephone. Also, appointment can be scheduled most evenings and weekends. Payment plans are available.
To better assist you, please take advantage of our online questionnaire. Once your information is received, we are committed to respond within 24 hours.
Attorney, Michael A. Latzes looks forward to meeting with you, to discuss your specific financial needs and concerns.