Debt Defense and Debt Collector Abuse

Debt Defense

If you have been sued to collect a debt, I can represent for a reasonable flat fee. I charge the lesser of $850 or 1/3 of the amount sued for. This fee includes filing an answer on your behalf, helping you respond to discovery, drafting and serving discovery if called for, responding to or moving for summary judgment, and searching for counterclaims that I can raise on your behalf and use as leverage to either get rid of the lawsuit and the debt or to negotiate a much lower settlement amount. Also, where possible, I’ll demand arbitration, which makes prosecuting the collection action exponentially more expensive and can add leverage for dismissal or a lower settlement.

Debt Collector Abuse

The Fair Debt Collection Practices Act (“FDCPA”) is a powerful tool that allows consumer debtors to fight back against debt collector abuse. The FDCPA gives a consumer the right 

  • to stop a debt collector from contacting them
  • to receive validation of debts
  • to be free from harassing and abusive calls and tactics
  • to bring claims against the debt collector for seeking interest or fees that it has no right collect
  • to be free from false threats
  • to be treated fairly and with respect

If a debt collector has violated your rights, I can represent you on a contingency basis such that I only get paid if I win or settle your case. If successful, you will be entitled to at least $1,000 in statutory damages. Unlike most FDCPA attorneys, I make getting rid of the underlying debt and eliminating any negative information from your credit reports a priority.

Need a Free Attorney’s Review of Your Credit Report?

Call me at (502) 473-6525 today. Like the initial consultation, the call is free!

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Proven Success

Lawson at Law, PLLC has been instrumental in changing the law of Kentucky to help Kentucky consumers. In the Sixth Circuit Court of Appeals, in Bouye v. Bruce, 61 F.4th 485 (6th Cir. 2023), the Sixth Circuit agreed with my argument that there is no such thing as a continuing violation bar to a consumers claims. I stopped debt collectors from adding interest to debts before the acquire the debts in, Stratton v. Portfolio Recovery Associates, LLC, 770 F.3d 443 (6th Cir. 2014); and punishing a debt collector for filing an illegal judicial lien. Currier v. First Resolution Inv. Corp., 762 F.3d 529 (6th Cir. 2014). In federal district court I’ve scored a major victories establishing the statute of limitations for the collection credit card debt in Kentucky, Conway v. Portfolio Recovery Associates, LLC, 13 F.Supp.3d 711 (E.D. Ky. Mar. 31, 2014); and stopping debt collectors from charging usurious interest. Grace v. LVNV Funding, Inc., 22 F.Supp.3d 700 (W.D. Ky. May 23, 2014).