Know Your Rights as a Consumer in Debt

Unexpected life events—such as job loss, illness, or accidents—can quickly spiral into financial hardship and overwhelming debt. At

Tariq Law, P.C.

, we want you to know that

you have powerful legal rights

under federal and New York City law to protect yourself from abusive debt collection practices.

Your Legal Protections Include:

The Right to Legal RepresentationYou are entitled to hire a New York City debt defense attorney to speak on your behalf. Once a debt collector is notified in writing that you are represented by counsel, they must cease all direct contact with you and speak only through your attorney.The Right to a Fair and Accurate Credit ReportErrors in credit reports are alarmingly common. Studies have shown that nearly 79% of credit reports contain mistakes—and 25% have errors significant enough to cause denial of credit. We can help you dispute and correct inaccurate entries that hurt your financial standing.The Right to Debt ValidationYou have the right to request written verification of any debt a collector claims you owe. Until they provide that documentation, they cannot legally continue to pursue you for payment. Exercising this right is critical, even if the debt appears legitimate.The Right to Proper Legal NotificationYou must be formally and legally notified if a lawsuit is filed against you. Many debt collection lawsuits rely on “sewer service”—falsely claiming they served you court papers. If you were never properly served, we may be able to sue for damages.

Enforce Your Rights. We’ll Help You Do It.

Too often, debt collectors, credit agencies, and even process servers violate consumer protections with little consequence. But

you have the right to fight back

—and to be compensated when your rights are violated.

Contact Tariq Law, P.C. today

to protect yourself, assert your rights, and explore all your legal options.