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WHAT CAN I EXPECT FROM ELITE LEGAL PRACTICE'S SERVICES?
At Elite Legal Practice, all clients sign a comprehensive Client Services Agreement that explicitly outlines the scope of our work and our services. The legal process to resolve debt and deliver life-changing results takes time and can be unpredictable, with multiple parties involved and various stages to navigate. It’s a complex process, and we encourage our clients to carefully review this agreement and ask questions. Our objective is to avoid instances where our clients have misunderstood the nature of our services, leading to frustration.
IS THIS DEBT CONSOLIDATION OR DEBT SETTLEMENT?
We are not a debt consolidation company or debt settlement company. We operate in a highly regulated environment, with strict ethical standards and guidelines. We are able to achieve results by leveraging federal laws like the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and the Credit Card Act of 2009. Debt consolidation and debt settlement companies, while regulated, are not held to the same level of scrutiny and accountability as an operating law firm with licensed attorneys.
HOW DOES ELITE DEMONSTRATE ITS COMMITMENT TO INTEGRITY?
The Better Business Bureau has administered an in-depth review to ensure Elite Legal Practice operates with integrity, and achieves the BBB’s highest standard of trust. Our BBB Accreditation demonstrates honesty and trust at the highest level, and not every business is eligible. We are proud to have earned this honor and display the exclusive Better Business Bureau Trust Seal.
DO I NEED A CONSUMER RIGHTS LAWYER?
At Elite Legal, our consumer rights lawyers have the experience to navigate the legal system, increasing the likelihood of successfully overcoming any legal obstacles you may face. Our consumer rights lawyers can help you determine the best course of action to resolve your issues.
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Our consumer rights lawyers are experts with the knowledge, credentials, and skills to assist consumers who are being harassed by third-party debt collectors. Representing clients in cases against debt collectors is our specialty within consumer law—the branch dedicated to protecting consumers from unfair and deceptive trade practices.
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Our consumer rights lawyers have become more prominent as household debt in the U.S. has increased by 11% over the last decade, with credit card and auto loan debt surpassing the $1 trillion mark. With so much money owed, debt collection agencies are becoming increasingly aggressive in their collection efforts.
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More than 70 million consumers have been contacted by collection agencies, and approximately 17.5 million of them reported feeling threatened by these calls. Many of those individuals turn to our consumer rights lawyers to fight back against aggressive collectors in court. If a collector is attempting to recover money from you, our lawyers can help you understand your rights and take action to stop harassment or illegal collection tactics.
CAN A CONSUMER RIGHTS LAWYER HELP MY COURT CASE?
Our consumer rights lawyers are extremely valuable if your situation requires you to go to court. Collectors can sue consumers to recover money owed and win most cases simply because the consumer fails to appear in court.
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Consumers who do appear in court—but without legal representation—put themselves at a disadvantage. They often don’t know their rights in these cases and, as a result, are unable to defend themselves effectively.
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With a consumer rights lawyer, a consumer involved in a court case with a collector is more likely to be treated with respect in the courtroom and will have an experienced advocate by their side. In many instances, a consumer rights lawyer can present compelling arguments to the judge in their client’s favor.
Additionally, our consumer rights lawyers can quickly determine whether collectors have used illegal tactics to recover money. This is especially important if you have experienced harassment or threats from a collector. In cases where a collector’s behavior is egregious, a consumer rights lawyer can file a lawsuit on behalf of their client, seeking financial damages.
WHAT CAN A LAWYER DO IF I FILE FOR BANKRUPTCY?
A consumer rights lawyer is essential when filing for bankruptcy. A lawyer who specializes in bankruptcy can explain the differences between Chapter 7 and Chapter 13 bankruptcy filings and advise you on the rights and obligations associated with each option.
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When filing for bankruptcy, a consumer rights lawyer will help you prepare all the necessary paperwork for your case. They can answer your questions and provide a clear overview of courtroom rules and procedures.
WHEN SHOULD I HIRE A CONSUMER RIGHTS LAWYER?
As soon as you feel you’re falling behind on any of your monthly payments, take action and enroll as a client. It’s best to address financial issues before they become severe or lead to legal action.