Welcome to Aronow Law, P.C.
At Aronow Law P.C., we know how overwhelming debt collection can be. From harassing phone calls to lawsuits and wage garnishments, creditors often use aggressive tactics to pressure you into paying debts you may not even owe.
Our attorneys are here to level the playing field. We defend you against debt collectors, challenge invalid claims, and protect your rights under state and federal law. Whether you face a lawsuit, garnishment, or constant harassment, we stand by your side to fight back and pursue the best possible outcome.
What Is Debt Defense?
Debt defense is the legal process of challenging debt collection efforts and lawsuits. Collectors must follow strict rules under the Fair Debt Collection Practices Act (FDCPA) and New York consumer protection laws. When they fail to follow the law or pursue debts without proper documentation, you have the right to fight back.
Our debt defense services include:
- Defending against debt collection lawsuits
- Challenging inaccurate or unverified debts
- Stopping creditor harassment and unlawful collection practices
- Protecting against wage garnishment and bank levies
- Negotiating debt settlements or dismissals
- Filing counterclaims for violations of the FDCPA or FCRA
Do I Need a Debt Defense Attorney?
Debt collection can be intimidating, particularly when creditors and collection agencies aggressively pursue it. Having an experienced debt defense attorney by you ensures you don’t face this battle alone. Here are key situations where hiring a lawyer can make all the difference:
Debt Collection Lawsuits
Acting quickly is crucial if a creditor or collection agency has filed a lawsuit against you. In New York, you often have only a few weeks to respond, and ignoring the lawsuit will almost always result in a default judgment. This can give collectors the legal right to garnish your wages, freeze your bank accounts, or place liens on your property. A debt defense lawyer can file the appropriate legal response, demand that collectors provide documentation proving the debt is valid, and challenge improper filings. In many cases, collectors cannot provide the necessary proof, which can lead to the lawsuit being dismissed entirely.
Creditor Harassment
Daily calls, threatening letters, and aggressive tactics from creditors or debt collectors can seriously affect your peace of mind. Fortunately, the Fair Debt Collection Practices Act (FDCPA) prohibits harassment, intimidation, and deceptive practices. A debt defense attorney can immediately stop these calls by notifying collectors that all communications must go through your lawyer. In some cases, if collectors violate your rights, you may even be entitled to financial compensation. Hiring an attorney doesn’t just give you relief from harassment — it holds abusive collectors accountable.
Unverified or Old Debts
Collection agencies often buy old debts for pennies on the dollar and then pursue consumers aggressively, even when they don’t have the paperwork to prove the debt is valid. Sometimes, they try to collect on debts past the statute of limitations, meaning they are no longer legally enforceable. Without legal guidance, many consumers unknowingly pay debts they don’t legally owe. A debt defense lawyer forces collectors to produce evidence, such as signed contracts or payment histories, before they can collect. If they fail to provide this proof — which happens more often than people realize — the case can be dismissed.
Wage Garnishment or Frozen Accounts
Suppose a creditor already has a judgment against you. In that case, they may attempt to garnish a portion of your paycheck or freeze your bank accounts, leaving you unable to pay for basic needs like rent, groceries, or utilities. These actions are devastating and can quickly spiral into deeper financial hardship. A debt defense attorney can challenge the judgment, file motions to vacate improper rulings, or negotiate settlements that allow you to regain economic stability. In some cases, bankruptcy protection may be the most effective way to stop garnishments and restore access to your income immediately. An attorney can help you evaluate all available options.
How Aronow Law P.C. Defends You
Review & Investigate the Claim
We carefully review collection notices, court filings, and debt documentation to identify weaknesses and defenses in the creditor’s case.
File a Legal Response
Ignoring a lawsuit can lead to automatic judgments. We respond on your behalf, forcing collectors to prove their claims.
Challenge Creditor Evidence
Collectors must present accurate records. We challenge missing, inaccurate, or fabricated documentation, often resulting in dismissal.
Negotiate or Litigate
When possible, we negotiate settlements on favorable terms. If litigation is necessary, we aggressively defend your rights in court.
Hold Collectors Accountable
If a collector violates your rights under the FDCPA or FCRA, we can file counterclaims seeking damages and attorney’s fees.
Why Choose Aronow Law P.C.?
- Experienced in defending New Yorkers against debt collectors
- Skilled in courtroom litigation and settlement negotiations
- Aggressive protection of your consumer rights under federal and state law
- Compassionate support to reduce stress during the process
- Clear communication and tailored defense strategies for your situation
Book Your Free Consultation Today!
Aronow Law P.C. is dedicated to protecting you from abusive debt collectors and unfair lawsuits. Contact us today to learn how we can defend your rights and rebuild your financial stability.
Frequently Asked Questions About Debt Defense
Can a debt collector sue me in New York?
Yes, but they must have legal standing and proper documentation. Many lawsuits are dismissed because collectors cannot prove ownership of the debt.
What happens if I ignore a debt collection lawsuit?
Ignoring a lawsuit can lead to a default judgment, wage garnishment, or frozen bank accounts. A debt defense attorney can prevent this by responding on your behalf.
How long can creditors pursue a debt in New York?
Most debts are subject to a statute of limitations (often 6 years for consumer debts in NY). Collectors cannot legally enforce debts beyond this timeframe.
Can I sue a debt collector for harassment?
Yes. If collectors violate the FDCPA by harassing you, lying, or using unfair practices, you may be entitled to compensation.
Will hiring a debt defense lawyer stop creditor calls?
Yes. Once a lawyer represents you, collectors must communicate with your attorney, not you, ending harassing calls and letters.
