The Law Office of James Michel is committed to helping people who find themselves overwhelmed by debt, at risk of losing their home or income, or harassed or sued by collectors. We will analyze all of your debts and assets, as well what kind of actions collectors are taking against you, and help you determine the best course of action.
Collections Defense
• Are you being sued?
• Are your wages being garnished or bank accounts levied?
• Are creditors seeking payment after you’ve filed bankruptcy?
Collections Abuse
• Are you being harassed by creditors?
• Have they contacted your family, friends, or neighbors?
• Has a creditor threatened to sue you or garnish your wages?
Credit Reporting
• Is there false information on your credit report?
• Have you been a victim of identity theft?
• Are any delinquencies on your report more than 7.5 years old?
Bankruptcy
• Do you have trouble paying your rent, mortgage, car loan or student loans because of collections from credit card and medical debt?
• Do you need to stop a trustee sale of your home?