Phoenix, Arizona- Debt Collection Lawsuits and Judgments Attorney

Law Office Of

Joseph A. Velez

480.710.5079

Real Estate & Business Law Attorney

The Law Office of Joseph Velez

Commercial Real Estate & Business Law Attorney

Scottsdale Financial Center

7272 E. Indian School Rd., Suite 111

Scottsdale, Arizona 85251

480.710.5079

We advise and represent consumers who have been sued on credit card, medical and others debts.  Inaction in dealing with the collection lawsuits and judgments can have disastrous consequences, such as causing your wages and bank accounts to be garnished, repossession of property and asset seizure.  Collection lawsuits and judgments are serious and should not be ignored. 


However, what consumers don’t know is that they may have numerous legal defenses to the judgments, lawsuits or wage garnishments.  In fact the majority of collections lawsuits and judgments filed by creditors are either legally defective in some way, or allow for some defense (or even partial defense), which may lead to either a complete defense to the lawsuit or could lead to a settlement on favorable terms. 


Consumers fair much better in court when they obtain legal representation. Moreover, the attorney can often be effective in negotiating the amount sought by the creditor.


  1. 1.A Collector with a judgment can seize some or all of your bank accounts- even those that are jointly titles with someone else, such as a child, parent or business partner..

  2. 2.A collector with a judgment can garnish your wages.

  3. 3.A collector may be able to take your property or put a lien on your property.

  4. 4.A judgement can severely impact your credit, preventing you from getting a mortgage (or a refinance).       

  5. 5.This could result in a creditor collection harassment.

  6. 6.You may be assessed attorney fees, which will continue to mount as time goes by.


Collection creditors often win not because they have a case, but because you fail to act.  And most people who fail to act do so because they are uninformed regarding their right and the defenses they have.  And because these judgments and collection lawsuits (including credit card lawsuits) seek attorney fees.  This can result in a large judgments.  My office can help.  Contact Arizona consumer advocate


  1. Wage Garnishment

  2. MUST READ: 7 Biggest Mistakes Consumers Who Have Been Sued Make

  3. Advantages of Having an Attorney

  4. So There is a Judgment Against You

  5. Effects on Credit Reports

  6. Advantages of Using an Attorney Over a Debt Negotiation Company

Related Links

Our law office represents clients throughout the Phoenix, Arizona area including the cities of Scottsdale, Maricopa, Mesa, Surprise, Paradise Valley, Avondale, Gilbert, Chandler, Glendale, Florence, New River, Fountain Hills, Peoria, Surprise, Queen Creek, Tempe, Sun City, Apache Junction, and Casa Grande. We serve the counties of Maricopa, Yavapai, Gila, Pinal, La Paz, Yuma, and Pima County.

DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

One hour initial office consultation fee is $295 for the matters discussed above.