Welcome to The Law Office of Lalisa Sweat , PLLC
We get you paid!
If you are here that means you believe your rights have been violated by either a debt collector, a creditor or even the credit bureaus! You may also be here because you are getting swamped with annoying telemarketing calls, text, or emails and you simply want them to STOP!
If this pertains to you, click the form below to get started!
Don't Stress it! We Got Your Back!
We are Trained and Experience in Fighting Against Debt Collectors!
We are a Firm that is Committed and Dedicated to Getting Results!
Are you being Harassed by a Debt Collector?
Are you being contacted by debt collectors? The Fair Debt Collection Practices Act protects consumers from abusive and deceptive debt collection practices. If you have been a victim of debt collection harassment, you may be owed money.
Have you discovered inaccuracies on your credit report? The Fair Credit Reporting Act protects consumers by regulating the collection, accuracy, and use of credit information, ensuring fair and accurate credit reporting. We have you covered!
Are you receiving unwanted SPAM and marketing calls or text messages? The TCPA protects consumers from unwanted telemarketing calls, text messages, and faxes by setting guidelines for when and how businesses can contact consumers.
Who is Lalisa Sweat, Esq?!
The Lawyer you choose Should Make a Difference.
As a driven attorney hailing from the vibrant city of Charlotte, NC, and a proud alumnus of North Carolina Central University School of Law, I bring a unique blend of legal expertise and community-focused passion to my practice. Beyond my legal career, I am deeply invested in giving back to my community, which inspired me to establish the Bosses Sip Tea Foundation, a non-profit organization dedicated to uplifting and empowering individuals through various initiatives.
With a heart for service and a commitment to making a difference, I strive to provide personalized legal guidance to my clients, ensuring that their needs are met with care and professionalism. I believe in the power of law to create positive change, and I am honored to leverage my skills to advocate for those in need and contribute to the betterment of our society.
You should always know your rights...
Debt Collector Common Violations:
Harassment:
(1) Repeated phone calls intended to annoy, abuse, or harass you.
(2) Use of obscene or profane language.
(3) Threats of violence or harm.
False or Misleading Representations:
(1) Misrepresenting the amount you owe.
(2) Falsely claiming to be an attorney or government representative.
(3) Threatening legal action that they cannot or do not intend to take.
Unfair Practices:
(1) Collecting an amount greater than what is owed unless permitted by law (i.e. threatening to garnish wages).
(2) Depositing a post-dated check prematurely.
(3) Using deceptive means to collect a debt, such as sending fake legal documents.
Improper Communication:
(1) Contacting you at inconvenient times (e.g., before 8 a.m. or after 9 p.m.) unless you agree.
(2) Communicating with you at work if you’ve informed them that your employer disapproves.
(3) Discussing your debt with third parties, except your attorney, spouse, or credit reporting agency.
Any of these occurred, you may be entitled to money damages.
What should you do if you want a debt collector to stop...
Communicating with you:
Cease & Desist:
If you ask a debt collector in writing (email, text, mail) not to contact you, they are legally required to stop contacting you except to inform you that they are ceasing collection efforts or to notify you of a specific action they plan to take, such as filing a lawsuit. If the debt collector continues to contact you after you have made a written request for them to stop, our law office can assist you with possibly getting monetary damages and a debt waiver.
Refusal to Pay:
If you tell a debt collector that you are not going to pay a debt, they are required to cease communication with you regarding that debt. They must stop contacting you except to inform you of specific actions they plan to take, such as filing a lawsuit. If the debt collector continue contacting you, our law office can assist you with possibly getting monetary damages and a debt waiver.
Inconvenience:
If you inform a debt collector in writing that you can only be contacted in a specific way (such as through email or postal mail) and they continue to contact you through other means (such as phone calls), they are violating the Fair Debt Collection Practices Act (FDCPA). And guess what?! Our law office can assist you with possibly getting monetary damages.
Any of these occurred, you may be entitled to money damages.
What do we do to get your money?
Evaluate Your Case
We will assess the details of your case to determine if there has been a violation of the Fair Debt Collection Practices Act (FDCPA).
Provide Legal Advice
We will advise you of your rights under the FDCPA and recommend the best course of action to address the debt collection issue.
Negotiate With Debt Collectors
We will negotiate with debt collectors on behalf of your case, such as negotiating a settlement and debt waiver for violations.
File Lawsuits
If a debt collector has violated the FDCPA, we can file a lawsuit against the debt collector on your behalf to seek monetary damages.
Represent Clients in Court
We will represent you in court proceedings related to debt collection violations, advocating for your rights and seeking appropriate remedies.
Provide Ongoing Support
We offer ongoing support to clients throughout the legal process, providing guidance, answering questions, and working to achieve a fair resolution.
Personal service form experienced attorneys.
If you feel that you have been a victim of debt collection harassment or if you feel that a debt collector has violated your rights, book a call with us or fill out the survey to get started!
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