Long Island Consumer Debt Protection Lawyer

Protect Your Rights to Privacy as You Pay Off Debts

Under Federal and New York State law, we are all afforded certain rights that protect us from unfair and unscrupulous business practices, such as deceptive marketing, false advertising, consumer fraud, and identity theft. 

Statutes the Protect the Consumer

Statutes like The Fair Credit Reporting Act, the Truth in Lending Act and the Fair Debt Collection Practices Act are just some of the laws that are in place to protect consumers. Our law firm zealously represents clients with a variety of consumer debt issues, such as:

• Received a collection letter seeking reimbursement on any alleged unpaid debt OR received a lawsuit, summons and are being sued for any alleged debt-seeking reimbursement for:
  • Alleged unpaid medical bills
  • Alleged unpaid hospital bills
  • Alleged unpaid doctor bills
  • Alleged unpaid credit card debt or loans
  • Alleged unpaid consumer debt
  • Alleged unpaid student loans
• Challenging negative tradelines on your credit report
• Vacating judgments
• Lifting banking restraints
• Vacating garnishments
• Wage Garnishments

We also aggressively defend our clients in lawsuits where creditors are seeking reimbursement for similar financial or contractual debts and work hard to provide our clients with medical debt relief. 

We have successfully defended clients against such debts and have also brought affirmative actions against creditors and collection agencies that have violated the rights of our clients as well as the law.

Protecting Your Rights Under Debt Defense Law

Collection agencies have endless measures up their sleeves to collect on large debts, from credit cards to medical debt. Some of these measures are extreme and others may be violations of the law. No matter your financial situation, it is important that companies do not abuse you or take advantage of unsuspecting people. Unfortunately, this is not always the case.

If you are facing any type of lawsuit or collection actions that threatens your sanity or financial well-being, taking legal action may be the next best step. Fortunately, we have the care, attentiveness, and experience to assess your case and represent you in or out of court. You deserve an honest, thoughtful, and zealous advocate to represent you and to protect your legal rights. 

The Law Office of Gregory A. Goodman P.C. helps clients with situations like:

• Consumer debt defense: Our firm has experience with legal representation for debt by working with creditors to make an agreement about what you owe, when it must be paid, and even if it must be paid in full. There are certain laws in place to make sure you are treated fairly.
• Credit card debt defense: If you were sued by your credit card company for debt default, our firm can help you uncover strategies to either give you time, lower the debt payment required, or even eliminate the debt altogether.
• Medical debt defense: Once you have medical debt, it can feel like your finances are out of control. Our firm has experience looking over your records, bills, and services to help you find a manageable, fair way to repay your debt. Perhaps you are like the countless other individuals on Long Island who have received collection letters and invoices seeking thousands of dollars in medical repayments. If so, contact us about medical debt relief; you may be able to avoid repayment and even bring affirmative actions against healthcare providers that have violated your rights and the law.
• Surprise medical bill defense: Some people receive medical bills they are not expecting or that include services that should have been covered under their health insurance plan. In certain cases, healthcare providers expect full payment for the services rendered. However, New York Financial Services Law § 606 (a) states that when an insured person assigns benefits for a surprise bill in writing to a non-participating physician, that physician should not bill the patient except for any applicable copayment that would be charged by a participating physician. Our hospital bill lawyers fight such cases zealously.
• Emergency medical bill defense: Sometimes patients end up at unfamiliar hospitals or healthcare providers in the event of an emergency. There are some cases where these patients end up being billed for the entirety of the medical services they received even though they are insured. Our medical billing advocates fight for clients in such situations and hasvedone so successfully. New York Financial Services Law 606 (b) states that when an insured patient receives medical services from a non-participating physician that knows the patient is insured, that physician cannot bill the patient except for any applicable copayment that would be charged by a participating physician.
• Vacating judgments: Perhaps a lawsuit was brought against you and you were not served properly, meaning you had no advance notice of the lawsuit. The lawsuit left you with massive bills to pay without the money you need to pay them, and now there are debt collectors seeking you out and causing damage to your credit report or filing liens on your property. We may be able to help you overturn this judgment and find a more manageable way to take care of your debt. Our firm has successfully overturned judgments on the basis of a lack of personal jurisdiction and due process.
• Consumer protection and fraud: Companies do not always keep their customers’ best interests at heart. If you were a victim of unfair or deceptive business practices, let our firm hold that company accountable to prevent it from happening again.
• Garnishments and banking restraints: In certain severe debt situations, your bank account can be restrained by a third party. Your wages can also be garnished by a creditor, the marshal, or sheriff. Our law firm has successfully lifted banking restraints and vacated garnishments for clients. We have also brought affirmative actions against creditors and bill collectors that have violated the rights of our clients as well as the law.