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We protect your rights and advocate for you
against debt collectors, banks, and mortgage servicers.
980.999.3511
Which consumer protection issue can we help you with?
Debt Settlement
If your debts are falling behind and have become more than you can pay, our North Carolina attorneys have options and may be able to help settle the accounts, sometimes for pennies on the dollar, and resolve debt collection issues favorably.
Debt Collection Harassment
Debt collection harassment takes many forms. Under the Fair Debt Collection Practices Act, harassment is defined as any conduct that would harass, oppress, or abuse anyone. Debt collectors are not allowed to harass you. We can help if your rights have been violated.
Debt Collection Lawsuit
There are many defenses that can be raised if you are sued in a debt-collection lawsuit. These may include the statute of limitations, the collector’s “standing” to enforce the debt, or violations of consumer-protection laws
Mortgage Relief and Foreclosure
As a North Carolina consumer protection firm, we have perfected our method for negotiating and litigating loan modifications for North Carolina consumers. If your payment is too high, you've fallen behind on payments, or you're facing foreclosure, we may be able to help.
Violation
of Your Rights
There are two major laws that protect North Carolina consumers, the Fair Debt Collection Practices Act (FDCPA), and
North Carolina Debt Collection Act (NCDCPA). These laws contain many provisions which protect you from harassment by debt collectors.
Let's talk
Send us your info and we'll get back to you. We help clients who live or have a legal matter in NC and MA.
CALL US
980.999.3511
EMAIL US
OUR ADDRESS
CULIK LAW PC
6000 Fairview Road
Suite 1200
Charlotte, NC 28210
What should you do if you are overwhelmed by debt, are being sued by a debt collector, or are being harassed by debt collector in North Carolina?
Make sure your rights are protected – get legal representation. Culik Law PC is a Charlotte, North Carolina law firm that helps people like you with debt, debt settlement, debt collection harassment, debt collection lawsuits, mortgage loan modification defense, foreclosure defense, foreclosure litigation, and consumer class actions. We have a long history of advocating for consumers against some of the largest debt collectors, banks, and mortgage servicers. Most importantly, we advocate for your rights and use them aggressively when dealing with debt collectors. In our years of experience, we have come up with strategies to help successfully defend debt collection cases. Many of the lawsuits we litigate are dismissed completely or settled on favorable terms to the consumer.