Are You a Florida Resident?
Are you Being Harassed or Sued by Gotham?
The Holland Law Group is here to help!
At Holland Law we focus on consumer bankruptcy and debt defense and have offices throughout the state of Florida. We specialize in defending our clients against debt collectors and filing bankruptcy when the circumstances are appropriate. If you are a named defendant in a lawsuit filed by Gotham, your first step should be to call us.
Who Is Gotham and Why Have I Been Sued?
Gotham and other companies like it, buys old and delinquent debt which have been charged off by the original creditor. These debts can be purchased and sold several times to any number of junk debt buyers. They often pay a very small amount to acquire the rights to pursue the debt – often between $.02 and $.05 on the dollar, meaning that they can acquire a debt worth thousands of dollars for the purchase price of less than $100.
Gotham Collection Services is located in Great Neck, NY. The company purchases portfolios from chapter 7 and 13 bankruptcies, charged off consumer loans, auto loans, business loans and judgment files. They are nationally licensed debt collector. The junk debt collection business model is to file as many lawsuits as possible and to collect as many debts as they can with the smallest possible expense.
If you are being harassed by Gotham or if you have received notice that you have been named as a defendant in one of these lawsuits you should contact the Holland Law Group immediately.
What You Need to Know – and How We Can Help
When you contact us we will review the circumstances of your particular case and advise you as to the best steps going forward. Having representation is especially important in these cases because ignoring the problem and refusing to appear in court only makes the problem worse. These lawsuits will not disappear on their own and failing to appear simply allows the debt collector to win by default and obtain a judgment against you.
The worst thing you can do is nothing!
If a judgment is issued against you, it could follow you for as many as twenty years and will most certainly negatively affect your credit report for seven years or longer. This can make it very difficult for you to do things like purchase a home or a car, open credit accounts, and obtain loans – just to name a few. This is not to mention that, after obtaining a judgment against you, Gotham could:
- Garnish your wages;
- Take funds from your bank account;
- Place a lien on your home;
- Take your property;
- And more
Take the necessary steps to protect yourself before this happens. The good news is that, when you find yourself in this situation, there are solutions. Settlement may be one option. Various legal defenses are another. And, depending upon your circumstances, filing for bankruptcy may even be an appropriate solution.
At Holland Law, we understand the complexities of debt defense law, and we have the experience that you will want and need on your side. We know the best strategies to defend these lawsuits, and we have the experience to back that knowledge up.
Contact Us Today!
Often junk debt buyers prefer to avoid a legal battle. It is possible, with the number of cases that Gotham files each year, that they do not have the documentation they need to prove your particular case at trial. It is also possible that the statute of limitations has run or that, for any number of other reasons, there may be difficulties proving the case. But it is hard to know whether or not this is true until you contact an attorney with the knowledge and experience necessary to help you wade through the details.
You will be able to talk about your circumstances with an experienced debt defense attorney and learn about the law as it applies to your case, what to expect in court, and what legal defenses you may have to the lawsuit.
We will talk about the amount and circumstances of the debt, the methods Gotham has taken to attempt to collect a debt, any applicable statute of limitations, the possibilities of settlement or discharging the debt through bankruptcy, and any other concerns you may have.
Understanding the law and making a strategy is the first important step towards resolution. We look forward to your call and to speaking with you soon.
To schedule your free consultation click here