At The Walter Roberts Law Firm, P.A., we help individuals and families fight back against aggressive debt collection tactics and protect their rights under the law. If you’re being sued over a debt, harassed by creditors, or facing wage garnishment, you don’t have to face it alone. Our firm provides strategic, experienced debt defense representation to help you take control of your financial future.
You Have Rights as a Consumer
Just because a debt collector contacts you doesn’t mean you owe what they say—or that they’re allowed to collect it in the way they’re trying. The Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws limit what collectors can do and require them to prove their claims.
We help you understand your rights and hold collectors accountable when they step out of line.
Common Debt Collection Issues We Handle
Whether the debt is real, inflated, or simply not yours, our firm is prepared to step in and defend your interests. We assist clients with:
- Lawsuits filed by debt buyers or original creditors
- Harassing phone calls and letters from collection agencies
- Default judgments and wage garnishments
- Inaccurate credit reporting
- Zombie debts and time-barred claims
- Settlement negotiations and payment plans
- Identity theft or mistaken identity claims
No matter your situation, we approach your case with compassion, discretion, and a clear focus on results.
What a Debt Collection Defense Lawyer Can Do
When you’re sued over a debt, ignoring the lawsuit won’t make it go away—it could lead to a default judgment, wage garnishment, or even a lien on your property. We help you respond to the lawsuit properly and explore all possible defenses, such as:
- Lack of proof of the debt
- Expired statute of limitations
- Improper service of court papers
- Unfair or abusive collection practices
- Errors in the amount claimed
- Wrong person named in the lawsuit
We’ll investigate the claims against you and raise every available defense to protect your income, assets, and peace of mind.
We Take an Aggressive Yet Practical Approach
At The Walter Roberts Law Firm, P.A., we don’t take a one-size-fits-all approach. Some clients benefit from fighting a case all the way through trial. Others are better served by negotiating a settlement or arranging a payment plan. We’ll take the time to understand your goals and build a strategy that fits your financial reality.
Serving Clients With Dignity and Respect
Dealing with debt can feel overwhelming—but getting legal help shouldn’t. We treat every client with the respect they deserve, and we believe everyone has the right to competent legal defense, no matter their financial circumstances. Whether you’re dealing with medical bills, credit card debt, personal loans, or old judgments, we’re here to help.
Take the First Step Toward Relief
If you’re facing creditor harassment or a debt collection lawsuit, time is not on your side. The sooner you speak with an attorney, the more options you may have. Contact The Walter Roberts Law Firm, P.A. today to schedule a consultation and start building your defense.