My Debt Defense
Rigorous legal analysis. Unwavering consumer advocacy.
The Firm's Origin
My Debt Defense was built to address a severe imbalance in consumer finance. Creditors, debt buyers, and aggressive collection law firms operate with vast legal resources, counting on the average consumer’s unfamiliarity with statutory protections to win default judgments, freeze bank accounts, and garnish wages.
We exist to correct that imbalance. Our attorneys defend consumers in debt-collection lawsuits, assert FDCPA counterclaims when the collector has overreached, move to vacate default judgments, and stop wage garnishments wherever the law provides grounds.
Our Mission
Review Honestly
We tell clients what we find — good, bad, or uncertain. No inflated promises, no worst-case scare tactics.
Explain Clearly
Legal language is confusing. We translate what your loan actually says and what the law actually allows into plain English.
Act Effectively
When a case has merit, we pursue it thoroughly. When it doesn't, we say so and move on.
Comprehensive
Every case and every client is different. We look at the full picture before we recommend anything. We operate on absolute transparency — if a case has legal merit, we pursue it with exhaustive precision.
Compassionate
Being sued or harassed over a debt is stressful and often shameful. We treat every client with patience and respect, no judgment. Every interaction is handled with dignity and focused on the best outcome for you.
Committed
When we take a case, we see it through. Our clients' outcomes matter to us — and we never forget that. We execute our legal duties with precision, focusing entirely on securing the optimal statutory outcome.