Proven Partners For Financial Health

Collections Defense Attorneys In Royal Oak And Southeastern Michigan

Our Firm Can Help You Stop Aggressive Creditors Now

Many of our clients tell us that they have been facing unfair collection actions for years and simply put up with it because they thought they had no other choice. However, if you are being harassed in any way or are drowning in collection attempts, you can take action against your creditors. The Fair Debt Collections Practices Act (FDCPA) protects you as a consumer from being treated unfairly. Gudeman & Associates, P.C., can help you put an end to creditor harassment, as well as wage garnishment and foreclosure. Our skilled team is experienced in working with relentless creditors and we can aggressively advocate for your legal rights.

Creditor Restrictions Under The Fair Debt Collection Practices Act

At Gudeman & Associates, P.C., we are dedicated to ensuring our clients are not taken advantage of by creditors. We can help protect you against unfair or illegal collections attempts. Whether you are facing a collection lawsuit and need representation or are considering filing for bankruptcy, we are here to defend you. Our firm is trusted throughout the state and we have even received an A+ rating from the Better Business Bureau. We can determine if a creditor violated any of your rights as outlined by the FDCPA.

The FDCPA prevents the following types of collection actions:

  • Incessant or constant, repeating phone calls
  • Pretending to be a lawyer or law enforcement
  • Speaking to you inappropriately or aggressively
  • Contacting your employer or family
  • Making threats of a lawsuit or arrest

Seek Protection With An Automatic Stay

If you have grown tired of receiving phone calls and letters from collection agencies, it may be time to consider filing for bankruptcy. Bankruptcy gives you the opportunity to seek a fresh financial start and allows for immediate relief from collection attempts with an automatic stay. The instant you file for bankruptcy, the Bankruptcy Court issues an automatic stay that prevents creditors from contacting you in any way — by phone, mail, or in person. An automatic stay also stops all current and future collection attempts.

Experienced Collections Defense Lawyers

You have rights under the FDCPA and collection agencies should not be allowed to violate these rights. Our collections defense attorneys in Royal Oak and southeastern Michigan are here to protect you against abusive collection tactics and to ensure that you are being treated fairly. We have more than 100 years of combined experience in this area of law, giving us the necessary skills to better assist you.

Stop Creditor Harassment Today

If you are in debt and doing all you can to make ends meet and pay your bills, having creditors harassing you only makes the situation worse. Although creditors are required to follow strict laws and regulations that limit the actions they can and cannot take, they do not always abide by these rules. Many creditors illegally harass individuals like yourself, calling too often, sending notices to employers or family members, and generally making your life more stressful. At Gudeman & Associates, P.C., our creditor harassment lawyers in Royal Oak and southeastern Michigan are committed to protecting you from abuse. We can determine if your rights were violated and if so, will help you fight back.

Understanding The Fair Debt Collections Protection Act

Many people who owe money to creditors believe that the creditors are allowed to do whatever they want to collect money. While they are allowed to make attempts to reach you and to collect, they are not given free rein to do as they please. Under the Fair Debt Collections Protection Act (FDCPA), you have certain protections as a consumer. If creditors are not following the law, you can take action against them.

A few examples of actions creditors are barred by the FDCPA from taking include:

  • Contacting you at work when you have asked them to stop
  • Calling you excessively on any given day
  • Calling you before 8 a.m. and after 9 p.m.
  • Deceptive communication or threats
  • Threatening to take legal action or arrest
  • Using profane or abusive language

If a creditor violates any of these regulations or others outlined by the FDCPA, a skilled bankruptcy attorney can help you fight for your rights.

Putting An End To Harassing Calls And Letters

In the end, creditors only care about how much you owe them and collecting on those debts. They do not care about your best interests and they often do not care about the laws either. One way of stopping creditors is to pay them what you owe them. However, this is not always possible. If you would like to put an end to creditor harassment, you may want to consider filing for bankruptcy. Our experienced team can help you find a solution that works for your unique situation. We offer open communication and accessibility as we work to defend you against relentless creditors.

Foreclosure Defense Lawyers Protecting Your Property

Is your mortgage company threatening to take away your home as a result of missed payments or late payments? Whether you have already received an official notice or a warning, it is vital that you seek legal help right away. At Gudeman & Associates, P.C., we have more than 100 years of combined experience and a thorough knowledge of bankruptcy law.

Fortunately, there are several foreclosure defense options that may be available to you. Our foreclosure defense attorneys in Royal Oak and southeastern Michigan are ready to jump on your case and help you determine what option is most feasible for you.

Explore Your Options For Foreclosure Defense

We truly care about protecting our clients in any way possible, especially when it comes to the security of your home. While filing for bankruptcy is one of the most common ways to stop foreclosure, it is not the only option. In order to ensure that you understand all of your options, we will take the time to meet with you for a consultation to discuss what works best for you and your family.

A few examples of the foreclosure defense options which may be available to you include:

  • Short sale
  • Deed in lieu of foreclosure
  • Chapter 13 bankruptcy

Regardless of the route you choose to take, our firm is here to provide compassionate guidance and skilled legal advice, every step of the way. We will work with you one-on-one to find a solution to your foreclosure issue as we strive to help you keep your home.

File For Bankruptcy To Keep Your Home

If you decide to file for bankruptcy, the mortgage company will not be able to foreclose on your home. Whether you choose reorganization or debt discharge (Chapter 13 or Chapter 7), an automatic stay will be put in place. This helps to prevent creditors from collecting as well as to give you the peace of mind that your home is safe from foreclosure.

Attorneys Helping Stop Wage Garnishment

When individuals are not able to make payments on their debt, creditors are legally allowed to garnish a person’s wages. Wage garnishment is when a portion of your wages is automatically deducted from your paycheck and given to a creditor in order to repay your debt. Garnishment can cause additional hardship for those already struggling to make ends meet, lowering your take-home pay and causing you to fall even further behind on your debts.

If you are facing garnishment in southeastern Michigan, the skilled attorneys at Gudeman & Associates, P.C., can help. With more than 100 years of combined experience, we know how to fight back against wage garnishment. We have helped many people in situations similar to yours successfully stop wage garnishment.

Understanding Your Rights

If you are dealing with wage garnishment, it’s important that you understand your legal rights. In the state of Michigan, creditors are restricted by several regulations.

With some exceptions, creditors must:

  • Obtain a court order before garnishing your wages
  • Garnish only up to 25% of your disposable earnings

Creditors may garnish your wages without a court order for:

  • Child support
  • Unpaid income taxes
  • Student loans in default
  • Child support arrears

While these rules limit what creditors may do, generally speaking, there are various exceptions and complexities that may allow for different amounts to be garnished from your wages. If you are facing wage garnishments in Royal Oak or throughout southeastern Michigan, it’s wise to enlist the help of a skilled attorney with experience in this area of law.

We Can Help You Stop Wage Garnishment

At Gudeman & Associates, P.C., we have years of experience dealing with complex bankruptcy law and collections defense, including wage garnishment. We understand that every situation is unique, which is why we take the time to understand every detail of your case before proceeding. We can help you stop wage garnishment and will work to defend your rights throughout the process.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.