Creditor Harassment Protection Center
At LeavenLaw, we pride ourselves on providing exceptional customer service
to our clients at a tremendous value. For those consumer customers who
are facing tough financial times and have retained the services of one
of our attorneys for either
Mortgage Foreclosure Defense, Credit Card Defense,
Short Sales, or Loan Modification, creditors and debt collectors are prohibited by
the FDCPA and the FCCPA from continuing to contact you directly in an
attempt to collect the debt owed. Instead, they must communicate with
and through our office only.
Included in ALL of the above service arrangements, LeavenLaw will take
creditor calls for FREE during the time we are assisting you with your
distressed debt. Whether it is during the time you are working with our
office to gather the needed documents to prepare and file your bankruptcy
petition, during the time you are helping us defend your mortgage foreclosure
case, or while you are working with us to get a loan modification or short
sale approved, we will work to make sure that you are not being harassed
and that the creditors and debt collectors are both notified of our representation
and stop communicating with you (i.e., calls, letters, periodic credit
card statements, etc.) in an attempt to collect the debt owed.
If you hire LeavenLaw with regard to any consumer debt -- whether to discharge,
modify, forgive or eliminate the debt -- it is critical that you understand
the FREE services that we are offering, understand how to use the consumer
laws and our forms, and help us stop the harassment. This will give you
the best possible opportunity to demonstrate you are entitled to damages
for a creditor's or debt collector's continued, unlawful collection activity.
To best help the attorneys at LeavenLaw, it is important that you (1) answer
your calls, (2) save your letters & voice mails, and (3) use the
LDB&M Communications Log. When called, answer the phone. Talk to your creditors and debt collectors.
Advise them that you have hired the attorneys at LeavenLaw for representation
regarding your debts, including the debt that this creditor or debt collector
is collecting, provide them with our contact information and ask that
all further debt collection calls and letters be directed to our office.
Then, if you get further calls or letters from that particular creditor
or debt collector that has been notified, note the details of these calls in the
LDB&M Communications Log.
- Name (company & caller)
- Time of call
- Phone number called from
- What was said during the call
- Was your Cellular Phone called
- Was the call placed using an automatic telephone dialing system
After you have done this, if you continue to get calls, call the LeavenLaw
Consumer Law Department or e-mail us. You may likely have a case and be
entitled to damages. As always, you owe us nothing unless we get the unlawful
debt collection to stop and recover monies for you. If we do, the creditor
or debt collector -- not you -- pays our fees and costs.
When you hire the attorneys at LeavenLaw to counsel you and to file a bankruptcy
petition to discharge or reorganize your debts, you are hiring an attorney
for representation regarding your debts--ALL of them. Do not let creditors
or debt collectors convince you that our bankruptcy representation is
not complete and comprehensive, because it is. During your payment plan,
answer your phone. Take good notes. Save all letters and credit card periodic
billing statements. Then either call LeavenLaw or bring them to your initial
consultation, bring back appointment, final petition signing, or 341 Meeting
of Creditors. We will look at the calls and letters and let you know what
we can do to protect your rights under the law.
Mortgage Foreclosure Defense
If you are facing mortgage foreclosure on your homestead or another piece
of real estate used primarily for personal use, we can help you defend
that lawsuit. When we defend your foreclosure lawsuit in the courts, we
represent you with regard to the debt. In Florida, a creditor cannot foreclosure
a home unless and until it gets a judgment on the note. Therefore, if
you get debt collection calls, letters or periodic statements during the
lawsuit and after we have formally filed our notice of appearance in the
case, you might be entitled to damages under the FDCPA, FCCPA and TCPA.
Please note any and all calls or letters you receive during the lawsuit,
as specifically noted above, and call us. We will look forward to helping you.
Credit Card Defense
Credit card lawsuits can be intimidating -- that is why our attorneys are
here. We have programs available to help consumers stop credit card and
debt collection lawsuits from going to judgment. We help stop garnishment.
We come up with a game plan to buy you time to make a fully informed decision,
try to settle the debt, and ultimately let you move on with your life--hopefully
avoiding a bankruptcy. It is not unusual, however, for a creditor, debt
collector or law firm to continue to call or write in an attempt to collect
debts from consumers represented by our firm in a lawsuit. If this happens
to you, use the
LDB&M Communications Log, as specifically discussed above, to capture information about the unlawful
conduct. We will do our best to hold the collectors accountable and recover
damages for you.
As was true with Bankruptcy representation, when a client hires the attorneys
at LeavenLaw to represent him or her for debt settlement, we represent
them with regard to all of their debts. If you have hired us to settle
a debt, do not hesitate to answer any calls you receive. Consistent with
the instructions above, if the creditor or debt collector keeps calling
you after it knows you are represented by our firm with regard to the
debt, they could have to pay you damages for violating the FDCPA and the
FCCPA. Use the
LDB&M Communications Log and let us know.
Short Sales & Loan Modifications
LeavenLaw has helped hundreds and hundreds of consumers either exit their
home, avoiding foreclosure and deficiency judgments, or has helped homeowners
modify their home mortgages to be more affordable. In both circumstances,
the attorneys at LeavenLaw represent the consumer with regard to their
consumer debt. If you need help with a short sale to exit your home, or
are considering keeping your home but exploring better mortgage payment
terms, consider using LeavenLaw. We have the ability to not only provide
a comprehensive plan to assist you with your home loan, but provide critical
consumer protection during the course of your representation that gives
you both peace of mind and occasionally leverage to barter the best deal we can.
At LeavenLaw, we put consumers first. Call today for a free consultation
and see how we can help you.