Long Island Consumer Debt Protection Lawyer

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 have done 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.

Your Rights as a Debtor

Not only are debt collectors required to treat you with dignity and respect, but you may have legal recourse if they have abused you in some way.

For example, debt collectors cannot:

• Threaten you with a lawsuit
• Contact you if you have asked them not to
• Call you after 9:00 p.m. or before 8:00 a.m.
• Contact you about your debt without providing written details about the debt within five days of the first call
• Speak with anyone but you about your debt

If a debt collector has done any of this to you, it is important that you get started building a case right away. The Law Office of Gregory A. Goodman, P.C. may be able to help.

Are You Being Sued?

If a lawsuit has been filed against you concerning your debts, you need the help of an experienced Long Island consumer debt defense lawyer. Our firm has handled tens of thousands of cases, and we know the law when it comes to suing debtors.

You may have defense options, such as:

• Expired statute of limitations
• Inaccurate information
• No standing to sue
• Bankruptcy
• Student Loans and Consumer Debt Defense

Thousands of people default on their loans each day. If you have unmanageable loans, the Law Office of Gregory A. Goodman, P.C. can offer helpful advice to help ensure you make effective use of your available legal options.

Student Loans and Consumer Debt Defense

If your student loans have become impossible to manage, you may be able to:

• Refinance
• Find a job-driven forgiveness program
• File for bankruptcy
• Rehabilitate your loans

Caring Consumer Protection Lawyer in Long Island

If you're dealing with overwhelming debt, you may be feeling quite distressed and scared about the future. You may even be angry at creditors who are harassing you and taking advantage of the situation. Whatever the situation may be, our goal is to step in and offer skilled representation.