Debt collection defense consists of using both federal and state laws to defend debtors against unlawful collection practices or improperly filed suits. Several collectors threaten or harass a debtor in an attempt to strong-arm the debtor to pay a debt that may not even be valid. Consumer protection statutes were enacted to prohibit such behavior and can allow for the recovery of damages and/or attorney fees.

Other times a lawsuit is filed by a party who lacks standing (doesn’t have an interest in the case) or by a party that can’t prove they own the debt. Unfortunately, many consumers don’t recognize these technicalities let alone know how to raise them as a defense. Frequently collection actions can be beaten, either reducing the debt or eliminating it altogether, by raising these defenses. Hiring experienced attorneys to evaluate your claims can not only stop the annoying collection activities but can save you money as well.