Your Partner in Legal Matters

We specialize in combating collector aggression, negotiating with creditors, and guiding you through bankruptcy protection when necessary.

With years of industry experience, Concordia Legal Group is trusted and committed to finding the best solutions for our client's unique situations.

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Legal Expertise in Key Areas

Debt Negotiation

Debt relief alternatives to bankruptcy exist. Our attorneys negotiate with creditors to possibly reduce your debts, providing a faster solution than standard minimum payments. We assess if this is best for your financial health.

Consumer Litigation Defense

Prompt action is essential when facing creditor litigation. Don’t go through the process alone, have an attorney by your side committed to defending your rights. We ensure you receive fair treatment and diligently protect your interests.

Bankruptcy Law

Bankruptcy is a big decision, often the last resort. We guide you in selecting the most suitable option for your situation. Our counsel ensures you make informed decisions with a clear understanding of your finances.

FDCPA Violations

Bill collectors could resort to aggressive tactics. However, the Fair Debt Collection Practices Act (FDCPA) protects you from this. Our team can identify FDCPA infringements and vigorously defend your rights.

Frequently Asked Questions

How can a debt lawsuit be dismissed?

There is no one-size-fits-all method to dismissing a lawsuit. Each case’s specifics requires a different approach to ensure a smooth process for all parties. Our team excels at identifying and applying the most effective defense for your case.

What are the advantages and disadvantages of negotiating debt?

Negotiating debt offers several benefits. It can potentially reduce what you owe, prevent legal action, and save money. However, it may cause temporary credit score fluctuations and have tax consequences. Contact us to find out if your situation can reach any of these risks.

If I receive a 1099-C, do I still owe the debt?

No, a 1099-C signifies that the debt has been forgiven, meaning you no longer owe the amount. While this is a positive thing, it is important to understand the potential tax implications. Reach out to learn more.

Can a debt that has been written off still be collected?

Unfortunately, yes. Depending on the state, even “written off” debts may resurface for collection. To find out about the regulations in your state, contact us today.

How often do debt collectors take individuals to court?

This varies depending on the state, however, with the right legal support, you can avoid this. We are prepared to defend you vigorously against any legal action by debt collectors.