Are you buried deep in debt? Are creditors and collection agencies calling you? Is your paycheck being garnished to pay your bills? Are debt collectors harassing you? Even if you owe money to creditors, you still have legal rights under the Fair Debt Collection Practices Act. A collections attorney can help enforce your legal rights while also negotiating debt settlements or garnishment plans with your creditors. Your lawyer can also defend you in court if you've been sued by a creditor or debt collection agency.