Legal Services to Fight Debt Collection

How can Tayne Law help with debt collection?

Whether you’re struggling to keep up on your debt payments or being sued by a creditor, Tayne Law Group has a team of experienced debt relief lawyers who can walk you through your options. We’ve been helping clients resolve their debt problems for more than 20 years. 

Success Stories

Who we can help

People who are struggling with debt may benefit from hiring debt legal services. If any of the following situations apply to you, give us a call to find out what solutions are available:

  • You owe more debt than you can afford to pay back
  • You are falling behind on your payments or are delinquent on several debts
  • You receive calls from debt collectors
  • You have been sued by a creditor
  • You have a judgment against you 
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Still not sure what to do about your debt? Calling is the fastest way to find out if our debt relief solutions are a good fit for your situation. It’s free and you won’t be speaking with any sales people. Call for a no-obligation discussion about how we can help: (866) 890-7337.
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“We’ve been awarded the ‘Best Debt Consolidation Service’ for 9 years running and are accredited by the Better Business Bureau.”

How it works

  • Contact us

    We offer free phone consultations, so give us a call. We’ll talk through your situation and discuss a plan to resolve your debt with an affordable monthly payment based on how much you owe.

  • Get Started

    After making your first affordable payment for the program, we’ll get in contact with your creditor and begin the process of resolving your debt. This is how we’re different from typical debt settlement companies — we get to work right away, without requiring you to save up a large amount of money or pay excessive service fees before any work is done.

  • Negotiations to get the best deal

    Our in-house team will negotiate with your creditor to come up with a resolution. The time frame depends on the types of creditors you owe and how much debt you have. But rest assured that we’re hard at work negotiating on your behalf to resolve your debt as quickly as possible.

  • Light at the end of the tunnel

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To get started, call (866) 890-7337.
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Why people choose Tayne Law

A debt relief law firm

Personalized Program

Every situation is unique. We’ll work with you to find a solution that resolves your debt and frees up your cash flow.

No-billing
Policy

You make one low monthly payment and will never get an unexpected bill.

Experienced NY Debt Attorneys

We have more than 20+ years of experience providing clients with debt relief.

Confidential & Trusted

As a law firm, our attorneys follow strict client confidentiality. Our services are discrete and effective.

Work with Creditors

We work with all creditors, whether you’re dealing with a collections firm, a national bank, credit union, or another lender.

A company you can trust

Know that you and your hard-earned money are in good hands when you choose to work with our team. As debt relief attorneys at an award-winning firm, we’re held to the highest ethical standards (unlike many other debt relief companies) and put the best interests of our clients above all else. Plus, we won’t nickel and dime you — our open door policy means you can speak with us whenever you need guidance, without surprise bills, hourly rates or monthly service charges. Our team, which are all in-house staff and under one roof, is committed to you and is here to support you through the stress-filled world of debt.

Learn how we can help, no matter where you’re from

Debt laws vary by state, so it’s important to work with an attorney who’s familiar with federal and state debt collection laws. Fortunately, even though our offices are based in New York, we can work with clients from just about anywhere — even other countries.

So whether you live out of state, abroad, or right here in New York, know that we have reputable and experienced team members who can help resolve your debt, protect you and your assets from creditors, and work quickly and within your budget.

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In 2021, consumer debt in the U.S. reached $14.36 trillion dollars.

According to the Federal Reserve Bank of New York

People are asking

If you believe a debt was sent to collections in error, your first step should be to dispute it with the collection agency. If that doesn’t lead to a resolution, you may need to hire a debt help lawyer. An experienced debt relief attorney can walk you through your options when you have an account in collections or one that’s being threatened to go into collections.

First, know that a debt collector can’t threaten to sue you unless they have the legal right to do so. If they’re going after a time-barred debt, for example, you can’t be sued if the statute of limitations has passed. If the lawsuit is valid, it’s important to take it seriously and contact an experienced debt help attorney right away. Either way, you should hire an attorney who can examine your debt and advise the best course of action, whether that’s defending you in court, negotiating a settlement, or even filing a counterclaim against a creditor.

A judgment is the result of losing a lawsuit in court. A creditor must normally sue you in order to obtain one, but that is not always the case. If the creditor successfully wins the lawsuit in court and obtains a judgment against you, they can use stronger tools to collect the debt from you, including garnishing your wages, freezing your bank account, and/or placing a lien against your property.

If you fail to respond to a lawsuit, or the court finds that you do owe the debt in question, you will end up with a judgment against you. At this point, you have several choices for how to proceed. An experienced debt relief attorney can help you decide the best route to take with a judgment against you. That could include deciding whether to pay the judgment, or going to court to challenge it. But don’t wait — a judgment can have lasting, long-term consequences for your ability to borrow, your credit, and your finances if it’s not handled right away

Debt collectors are required by law to verify your debt if requested. This means they must prove that you owe the debt, the amount owed, and that they are the ones owed the debt. If the creditor can’t validate this information, then you may not have to pay the debt in question. It’s a good idea to involve an experienced debt help attorney when verifying a debt to ensure it’s done properly.

Yes. If your bank account was frozen by a creditor, call our offices right away. We can contact your creditor and resolve the debt as quickly as possible so you can access your bank account funds again.

Yes. If your wages are being garnished by a creditor, call our offices ASAP.  In some cases, handling wage garnishment can be too complicated or time-consuming to do on your own. We’re experienced in resolving judgments, liens and frozen bank accounts and can help you.

The amount you end up settling for will depend on a few factors, including how much you owe, how far behind you are on payments, who you owe, and more. A reputable debt settlement attorney will have the right connections and negotiation skills to get you the best deal possible, quickly and within your budget.

Debt collectors have to operate according to the rules outlined in the Fair Debt Collection Practices Act (FDCPA) on consumer-based debts. According to the law, debt collectors may call you, but only between the hours of 8 am and 9 pm. They may also contact you via U.S. mail, email, or social media. However, debt collector contact cannot be excessive or harassing in any way. Collectors also must stop contacting you if you request, except in the case to share important legal updates.

The statute of limitations on debt refers to the length of time a creditor has to file a lawsuit against you or collect the debt legally. Once the statute of limitations has passed, you can no longer be sued for a delinquent time-barred debt. The exact period depends on the state, but it’s typically three to six years. The statute of limitations on debt in New York, for instance, has recently been updated to three years. Call us to see if your debt is out of statute.

Still have questions? Call (866) 890-7337

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