Debt Settlement Resources 2017-05-03T16:33:34+00:00

Debt Settlement Resources

Truth In-Lending Act (TILA)

The Truth In-Lending Act (TILA) is a law that requires banks, credit card companies, and lending organizations to provide consumers with all necessary information on the price and terms of credit.

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Electronic Funds Transfer Act (EFTA)

The Electronic Funds Transfer Act (EFTA) was passed in 1978 and is part of the Consumer Credit Protection Act. It clearly states that consumers have rights for when they electronically transfer funds to and from their bank accounts. It also protects consumers from other entities electronically removing funds from a consumer’s bank account without his or her permission.

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New Mexico Collection Agency Regulatory Act

The New Mexico Collection Agency Regulatory Act (NMCARA), NMSA 1978 §61-18A-1 govern the collection of New Mexico consumer accounts.  A debtor under this chapter is defined as “any natural person obligated or allegedly obligated to pay any debt.” Debt is defined as “any obligation or alleged obligation of a debtor to pay money arising out of a transaction in which the money, property, insurance or services that are the subject of the transaction are primarily for personal, family or household purpose.

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Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA), enacted in 1970, is intended to foster the privacy, accuracy, and fairness of consumer information when held in consumer reporting agencies. In order to prevent inaccurate credit reports, the FCRA handles all consumer information. It is part of the Fair Debt Collection Practices Act.

Credit Repair Organizations Act

The Credit Repair Organizations Act (CROA) is part of the Consumer Credit Protection Act. Signed into law in 1996, it was created to make sure that credit repair organizations provide consumers with all relevant information to help them make a clear and informed choice. It prevents consumers against misleading advertising. Furthermore, the CROA clarifies that credit repair organizations can only receive payment after completing services. These measures are all in place to protect consumers.

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Fair Debt Collection Practices Act

The Fair Debt Collection ​Practices Act (FDCPA) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute’s purposes is to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy.

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Debt Settlement
Avoiding the Courtroom

Being sued by a creditor or collection agency is not a fun process for anyone. A negotiated settlement may be the best option if the allegations are undisputed, and you agree you owe the debt. However, if you have not been sued by your creditor, but are receiving collection calls and feel a lawsuit may be on the horizon, it is important to seek debt settlement representation. No matter how small or complex your situation may be, The Robinson Law Firm PLLC can help you settle your debts outside of the courtroom.
CALL 602-284-4318 to start the process.

Lawsuit Unavoidable
Court Action Required

If you are facing a debt lawsuit and you receive a summons and complaint from a creditor. You will be required to respond to the complaint by either admitting to the allegations, or disputing the complaint. You may dispute the complaint that the allegations are untrue, the statute of limitations period has run, meaning that the creditor has waited too long to sue you. You may argue that the complaint was not validly served upon you or the creditor failed to provide required documentation.
All credit card lawsuits are evaluated on a case by case basis. The Robinson Law Firm, PLLC is prepared to represent you in court to fight the allegations against you.

Please contact us for more information about our debt settlement and negotiation services. We can negotiate the best settlement of your debt.

Contact Us

The Robinson Law Firm PLLC Logo

The Robinson Law Firm PLLC
14819 N Cave Creek Rd
Suite 8
Phoenix, AZ 85032

Phone: (602) 284-4318
E-mail: devaughnlaw@gmail.com

Serving languages: English, French, Haitian-Creole & Spanish

The Robinson Law Firm PLLC Logo

The Robinson Law Firm PLLC
14819 N Cave Creek Rd
Suite 8
Phoenix, AZ 85032

Phone: (602) 284-4318
E-mail: devaughnlaw@gmail.com

Serving languages: English, French, Haitian-Creole & Spanish