How to Defend a Lawsuit from Regional Finance Company
Confronting a lawsuit can be a challenging experience, especially when it comes from an original creditor like Regional Finance Company in Texas. Understanding your legal rights and options is essential when facing such a situation. Our team of Texas Debt Lawsuit Defense Attorneys offer insights into dealing with Regional Finance Company and strategies for handling a lawsuit from them.
Is Regional Finance Company Legit?
Yes, Regional Finance Company is a legitimate company. Regional Finance Company is an original creditor that engages in the business of lending consumer loans to consumers in Texas. Regional Finance Company is not a law firm. Regional Finance Company is a creditor and it pursues past due and charged off debts owed to it by borrowers in Texas by filing debt collection lawsuits.
Regional Finance Company is an Original Creditor and Lender
Regional Finance Company operates as a consumer loan creditor and lender. Since Regional Finance Company is an original creditor it is not required to register as a debt collector in Texas.
What Kinds of Debts Does Regional Finance Company Collect?
Regional Finance Company primarily extentends consumer debts to individuals in Texas.
How to Defend a Lawsuit from Regional Finance Company
Responding to a Lawsuit from Regional Finance Company If you find yourself targeted by a lawsuit from Regional Finance Company for debt collection, it’s crucial to take prompt and strategic action:
Do Not Overlook the Lawsuit: Ignoring it could lead to a default judgment, potentially resulting in bank garnishments, liens, or seizures.
Consult an Experienced Debt Defense Lawyer: Our lawyers at Jaffer & Associates excel in helping Texans effectively handle collection cases, ensuring you understand your legal position, the authenticity of the debt, and potential defenses.
Respond Timely to the Lawsuit: Failing to respond promptly might result in a default judgment. You have 14 days to respond if you were sued by Regional Finance Company in a Justice of the Peace Court. Otherwise, you have 20 days from being served the lawsuit if the case was filed in a County of District Court in Texas.
Consider Settlement or Legal Challenge: Depending on your situation, settling the lawsuit, or contesting it in court are viable options. Settlements can be advantageous in reducing debt amounts and getting a manageable payment plan. Whereas challenging the lawsuit is suitable if there are flaws in the creditor’s case, such as incorrect debt amounts, expired statutes of limitations, mistaken identity, or identity theft.
Challenge the Lawsuit’s Merits: Your lawyer can help identify any inaccuracies or errors in the lawsuit, such as incorrect debt amounts or mistaken identity. Uncovering these issues can be critical in defending against the lawsuit.
Discovery and Getting a Dismissal: One major element of defending the case is to verify if the creditor has all records necessary to prove up their claim. In debt collection lawsuits you or your attorney should request all credit card statements, bills of sales, and purchase and sales agreements to ensure that the party suing has the right to sue for the consumer debt. This happens in discovery during a lawsuit and can lead to a lawsuit being dismissed if done correctly.
Negotiate a Settlement: If Regional Finance Company presents a strong and meritorious case then negotiating a settlement for a much lower amount may be the wise approach. Often, settlements can be negotiated to amounts significantly lower than the original debt and payment plans are also available.
Filing a Counterclaim:You may be able to file a counterclaim for violation of the Teas Debt Collection Practices “TDCPA” or the Fair Credit Reporting Act. This occurs if the creditor engages in practices or conduct prohibited under these consumer protection laws. An experienced attorney such as the attorneys at Jaffer & Associates looks for all sorts of violations during the defense of your lawsuit.
How Much Does a Debt Defense AttorneyCharge?
We at Jaffer & Associates charge a Flat Fee for your lawsuit defense based on the amount of the lawsuit. You can either pay upfront in full or we can provide you with a flexible payment plan.
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See Our Reviews
Well, I was given his number through my credit repair guy! Never met him before, spoke to him over the phone about a credit service company. Felt really comfortable after the conversation.The credit company was.....- harassing me and my family daily- leaving voicemails with family members about my credit- calling my work/ sisters work harassing themI spoke with Shawn, he gave me direction to follow when they called. I did, sent it to him with 1 week, lawsuit against creditor and WON! Also, they had I remove the so called debt I had from my credit report! So, long story short 1 week he fixed my issue and put money in my pocket without having to do more than 10 min of work!Well done! Came through as promised and then some!A++++++
Demitrios Nikos
This is 7 star 🌟 service make no mistake.Shawn Jaffer, Esquire during our initial conversation impressed me with his grasp of the law and made steps to help me with my case before we discussed retaining him to represent me. For a consultation call ‘that was a first!’As my attorney, he was fierce, ferocious, fearless and crushed the opposition in my ‘fair credit reporting’ and ‘illegal debt collecting case’He wrestled the opposing counsel to the ground and won a great settlement for me. I give him 7 Stars ⭐️ because..1). Shawn was working on my behalf before he was retained.2). Shawn managed my expectations.3). Shawn did what he promised and much more.4). Shawn’s integrity is unimpeachable, there was never a time I called that he did not answer my concerns.5). Before I had to ask for my payment, the money was in my hand. Forget the rest and select the best - that was Shawn Jaffer’s for me.Shawn, you are razor sharp. Thank you so very much.
Jacqueline Jackson
Shawn was very helpful and personable with me and my case . He took me and my situation very seriously , and his approach to me was warming and comforting that I had someone on my side that was going to work day and night to make my situation right. Thank You Shawn for your knowledge and skills that saved my family and home. I hope to not have to go through this situation again . However if I do , I will definitely do it again with you Sir .SincerelyJ Jones
Krystal Jones
The Jaffer law firm was prompt and responsive from day one. I was having problems with a dealership not owning their mistake. The Jaffer law firm was diligent and accommodating. They trusted their process and took me on as a client. Each and every time I called, I was able to ask a question and get an answer right away. I was impressed with their candidness and reassurance as well. I'd recommend them as they know their business very well.
Rich Kordsmeier
I had never had issues with a collector before. Shawn was referred to me by a friend, he put me at ease from the beginning. Not only did he do everything he said he would, he was quick about it. He communicated all the way thru the process, he's very profesional. He is the first person i will call in the future with any credit issues.
David Ruiz
At least a 5 STAR rating. Very professional, pleasant interpersonal conversations, and EXTREMELY THOROUGH! Amazingly I never left my home. I very much appreciated their sharing with me that Creditors MUST abide by a very strict legal code of regulations. They also gently talked me out of making those WRONG strategic moves. I simply left everything in their hands.. and they proved to me that they were very Savvy experts. Mack Williams - Arlington, TX
mack williams
My first call to this law firm and I was able to speak with an attorney! Shawn gave me honest and professional advice. He was not simply trying to sell his legal services, he advised me on the laws regarding my case. VERY helpful 👍
Jenni Marotta
My pre-review. This is the first time I’ve ever used an attorney. I’m being sued for a debt that isn’t mine. I selected Attorney Jaffer because of the reviews. It’s my hope he can get this situation resolved.I do understand he isn’t superman and can’t win every case, so I have realistic expectations. If my case isn’t won but I feel as if he did everything within his means, and I’m not being taken advantage of, I’ll be satisfied.I will update this review once this process is completed but as of now, I’m feeling comfortable in his hands. I can’t remember the young lady I spoke with but I received a genuine vibe from her. She was knowledgeable and very friendly. The process acquiring his services was a smooth process.Once again, I have realistic expectations and know not everyone will have the same results. I’m judging on services and professionalism.
TC robinson
Great customer service walked me throughout the process made sure I understood what was going on and translate the legal lingo into English for me ! Got my issue taken care before the court date. Would 100% recommend anyone being sued by a debt collector to use them!
Mauro Pinter
Jaffer mirza
Best service!!
Ethan Brown
Mr. Jaffer stopped the foreclosure of my house and renegotiated my mortgage. I was surprised and didn’t think it was possible but he got it done.
Mason Jones
Shawn Jaffer got my credit errors fixed from the creditors
Lucas Miller
He got me compensation for a debt collection violation from an abusive debt collector
john Anthis
Tori L
Brice Lukasko
Best ever service by Mr jaffer within a days he solved my credit fraud.
Adam Leo
jaffer thanks for your support you saved my money!
Brad Jesus
Shawn got me compensation for a debt collection violation from an abusive debt collector.
Kevin Jones
I was surprised and didn’t think it was possible but he got it done best lawyer.
Simon Amanda
Shawn defended a credit card debt lawsuit since I am new here helped me like a brother from fraud.
Philip Tanimoto
He saved my money best professional service.
Mitchell Geller
I can't thank enough to you Shawn you have saved my life. I won't be able to get my all credit reports that remains in the entry done without you. You are a life savior.
David Forcier
Mr. Jaffer helped me with bankruptcy and got all my debts discharged and now I am debt free. He took away the stress by stopping all the phone calls, collection letters, and process servers coming to my house thank you.
Lisa Ellen Niver
Shawn helped my husband defended his credit card debt lawsuit and got it dismissed and the debt forgiven.
Emma Rose
kind hearted really impressed
Julian Polatynski
I want to thank you Shawn you just saved my money as well as my family from big credit fraud amazing job done I will suggest to all my friends.
Yassine Polatynski
My credit reporting errors were increasing day by day and I went more than 4 bureaus to remove inaccurate credit items, but no one is taking me seriously, the my friend recommend me Mr. Shawn Jaffer law firm which compensate all my debts.
Abby Thompson
I was bankrupt last month by a fraud company, because of Mr. Jaffer, I get my reimbursement from an abusive debt collector. He is amazing and very helpful.
Phyllis Dyer
Excellent nature and excellent work!
Dawn Hill Smith
Mr Shawn best credit repair attorney out there and he gets great results for FDCPA and FCRA cases! Highly recommend him to my friends!
Alise Butane
Shawn helped me to get back my money
Jeffery Sims
Shawn firm did great job I feel overwhelmed helping me through this. I really want to recommend Shawn for all your debt matters!! Thank-you Shawn
Jasmine Carter
Shawn was very professional with me and my case . He took me and my situation very seriously and solved the case amazing.
Samantha Jean
Thank you very much for the nice review. I am very happy from your work!!
Brad Hampton
Manny Duarte
Amazing help really friendly staff took care of all my worries
Mason Sutherland (Ammon667)
Attorney Shawn Jaffer did a great job representing me! I would highly recommend him to anyone having to fight debt collection companies!
Sameer Ahmed
I was having trouble with a collections company. Didnt really know who else to turn to. I would highly recommend Shawn Jaffer’s office for anyone having trouble with debt collectors & etc. Best attorney in the DFW , hands down !
Dominique Nickerson
I'm very happy with the results!! I spoke to several lawyers before speaking to Shawn and he made me feel the most secure. When others spoke to me about settling out of court Shawn answered with a counter suit and we won! I am on a credit repair journey and I feel great about Shawn helping me through this. I, one hundred percent, recommend Shawn for all your debt matters. Thanks Shawn! - Yessica
SrSi
I was real apprehensive about Shawn at first because I never had to get a lawyer for anything in my life. When I spoke with Shawn, he reassured me that he was going to win my case and he did . Everything he said would happen did. Thanks Shawn.
Albert Coleman
You Rock!!!!! unbelievable results in record time. Thank you
Charles Gossett
Shawn was a wealth of information to help me with direction and support after dealing with some lingering credit card disputes. He was gracious in his explanations so that I could understand exactly where I stood and what to expect going forward. Thank you!
AB Tiffee
I had the pleasure of working with Shawn recently. I can say after doing a lot of research and running into roadblocks he was able to help point me in the right direction! I am thankful for his support and kindness. I would absolutely recommend him to anyone dealing with difficult credit problems.
AB Tiffee
Shawn Jaffer was very helpful and responded quickly.Thank you!
Tim Y
Mr. Jaffer and his team are professionals. He answered my mortage question via email. He reached out to me the same day after leaving a message with his secretary. Thank you Mr. Jaffer for being honest and upfront!
Agam Patel
Honest, courteous, knowledgeable!
J E
Shawn is amazing. I have been working with a credit repair agent who has been disputing a couple of cases for me for the past year. The companies refused to remove the debts from my credit report and threatened to take legal action. Shawn was able to resolve the issues with the opposing companies by getting all legal actions dismissed and debts settled and removed off of my credit report. Not only did I not have to pay any legal fees but will be receiving a settlement offer from the cases. Shawn is definitely a credit saver and a stress saver. I would highly recommend him if you are in need of either one. Shawn is the best and I greatly thank and appreciate him for his assistance.
Erica
He's a very easy person to talk to and truly takes the time to make sure you know everything you need to know and takes care of things in a timely manner!
Megan Estevane
Awesome job very smooth process.
Samantha Ruiz
Thank you for all you have done. You made the process of getting my credit fixed an absolute breeze. Couldn't ask for a better service than you provided.
Collin Parker
Mr Jaffer did an excellent job helping me to get false information off of my credit report. He did so in a quick and easy fashion. He even got me some money when I did not expect any! I will definitely be using him again in the future. Thanks Shawn and all the crew at Shawn Jaffer Law!!
J A
Shawn and his team are absolutely premium. I sought help with harassment from illegitimate collection agencies; these guys made it all look easy. Within 15 minutes of speaking to Shawn’s office team (incredibly hospitable personnel, might I add) he called me personally to start on a resolution for my situation. In less than 60 days, not only had he stopped the harassing calls, but won a cash settlement in my favor. Shawn is well versed in his trade, a fantastic communicator, and-most importantly-effective. I would recommend his consultation in virtually any legal credit issue to all friends and family. Cannot say enough positive things here.
Rachel Murphree
We were victims of identity fraud and Shawn did a wonderful job helping us through the process. Great lawyer. Highly recommend.
Carolyn Machock
Very professional firm and very easy to communicate with. Shawn was very diligent and on top of things and whenever I had a question or update with my credit I was able to send the info with no issue. The fact that I was able to speak directly with Shawn and not always be routed to an assistant was also nice, although everyone I delt with was extremely knowledgeable and friendly. I highly recommend this firm as they are exceptional at what they do and were able to handle things for me without any issue. Super happy with Shawn and his team.
Ketzya Rios
David Castro
I would recommend Mr. Jaffer to anyone getting harrassed by collections. I was getting calls from a collection agency that I knew were illegal. I got a call from Mr. Jaffer's firm right away. After speaking with me, they set up a call for me to speak to Mr. Jaffer directly. After speaking with him, I knew that my case was in very capable hands. My concerns were addressed promptly and the calls stopped right away. In the end, Mr. Jaffer was able to get the collection agency to remove the negative information from my credit report and they paid all of his costs and fees. I paid $0 out of pocket and got the fresh start I so desperately needed. Thank you so much!
Kara Burton
I would recommend everybody Shawn Jeffer law firm. Really help me out! Try to dispute it many times on my own but Shawn Jeffer got the job done.
Jose Cantu
I am extremely happy I contacted Shawn Jaffer when I needed help with a credit situation! He was able to clear up multiple items that were a result of someone else's collection accounts showing up on my credit report as well as removing incorrect information from my credit report that I had been fighting with the credit bureaus for years to remove. He and his staff are personable, professional and turned what I thought would be a stressful mess into a very pleasant experience AND at no cost to me. Amazing! I highly recommend Mr. Jaffer if you need help with credit issues!
M. Cook
Just got my second settlement check in the mail today of 500.00 dollars ! Thanks Shawn Jaffer Law Firm !! Awesome.
Jeff Grey
I hired Shawn to help me with a debt collection issue where I was unjustly harassed because of something that wasn't my fault. I was worried that I wouldn't find reasonable legal counsel regarding my legal matter but Shawn sorted out my legal issue after a couple of phone calls. I wish that the company would've received a stiffer reprimand after ignoring verbal and written warnings about their behavior but I'm Thankful for Shawn and his legal team.
Robin Johnson
Shawn is the best attorney I ever worked with! I had some errors on my credit I was trying to remove for more than 6 months. As soon as I got Shawn involved, he got them removed within a month! Great communication throughout the whole process, honest and very easy to work with, and best of all, got everything done very quickly. I definitely recommend everyone to use Shawn as an attorney. He has the sense of urgency that other attorneys do not have. Very hard to find that these days. Thank you, Shawn!
Rafay Iqbal
I've been dealing with what I thought was an illegal collection for 5 months. I hired Shawn Jaffer and he just received the first settlement! Turned it all around in only a few weeks. I wasn't expecting to get anything. I just didn't want my credit diminished. Shawn did a fantastic job in eliminating this horrible bullying by a large corporation and their unscrupulous debt collection methods! BTW - I was right, they are purposely and knowingly breaking the law in Florida.
No Mess Products
One of the attorney, they helped alot !!! Keep up the good work ✔
Syed Naqvi
Was starting a trucking company but my credit was terrible!!! Thanks to these guys repairing my credit, I'm now a small business owner!!! My credit was boosted by over 100 points!!! Who does that?! #Awesome!!!
Michael Johnson
Shawn is a fair and honest attorney he works fast but also keep it real with you. Should you need him as a promising council hes your go 2 guy. He gets my 5 stars😁...
Open Mind Open Opinions
Shawn and Team did an incredible job with making me feel comfortable about my rights. They also went to bat for me and we WON our settlement! Would highly recommend anyone who is unsure of your rights to contact Shawn. A CLASS SERVICE!
Mitch Slay
julixita021
I can't say enough good things about Shawn's professionalism, care, and most importantly, EXPERTISE. I had been scrambling for months to remove an error on my credit report with zero luck. I was on the verge of giving up and "biting the bullet", but a friend recommended I talk to Shawn.Not only did he get this error removed from my credit profile quickly, he provided me real education along the way with tips on keeping these types of errors from coming up in the future.Hopefully you will never need a consumer protection attorney, but these types of problems don't come with warning. The Shawn Jaffer Law Firm should be the first law firm you call if you ever find yourself in a similar position that I did!
Samir Mullick
Shawn did a terrific job! He solved all 3 of my issues and even got me some money back — all at no expense to me. Thanks Shawn!!
Kerry Noble
Shawn Jaffer is the best credit report error correction attorney in town. I had this credit report error that the credit bureaus refused to fix but Shawn got it taken care of and got me $1,000 for my trouble. Highly recommended. Didn't cost me anything.
Suhayb Kamal
Shawn Jaffer law worked quickly and effectively on my credit situation. Not only did he get the debt removed , but I also received a cash settlement. Clearing up my report was fantastic, but he also fought to get me cash , which was a surprise bonus. I would definitely recommend him for any financial or credit attorney needs you have.
grey184 Jeff
Mr. Jaffer is very talented and hardworking. The best credit repair attorney out there and he gets great results for FDCPA and FCRA cases! Highly recommend him!
Syeda Naqvi
Shawn is amazing and does his job very well! Thank you again for helping me and the advice. Totally rocks and would recommend to anybody.
James Wilson
Impressed with Mr. Jaffer's knowledge. If office staff was very attentive and kept me abreast of my case. He did a great job on my case. I would highly recommend Mr. Jaffer's.
Wanda Coonce
Best attorney in the FDCPA FCRA industry.
Best Texas Credit Pros (Best Texas Credit Repair)
My experience with Shawn Jaffer Law Firm was very simple. I forwarded my paperwork and followed Shawn’s directions and just waited. It was very easy. I would recommend others to his program.
Slick Rick
I had an out of control unfair situation with a credit collecting agency which was literally about to make me spend thousands and thousands of dollars and I didn't know what else to do after having visited a few lawyers and having people misguide me in all directions. I contacted Shawn Jaffer over the phone - I was actually surprised to have him answer me on the first ring and tell me he had the time to listen to what i had to say and see if he could help me. Long story short, for the next couple of months I was represented by the most efficient, loyal, compassionate and professional lawyer I have ever had and not only did he get me not to spend a dime beyond what I had already, he gave me peace of mind and I felt safe throughout the whole thing knowing he had "my back". Shawn Jaffer turned it around and not only did I win the case against these awful people but I got money back, which was only a plus! The main thing was to feel vindicated and that they could not get away with it.I can not describe in words what an incredible service Mr. Jaffer provided me with updates in a timely manner as well as knowing exactly how to give me advise and handled them directly keeping it all under his control. I have referred him to all my friends and the most personal thing I can say here is that I truly wish he could fight all my battles for me!!!!
Anna Brafmann
Shawn did a great job with my case. I had an account on my credit that was incorrect and Shawn got on it quick. Not only did it come off my credit, I got a check for $500.00 too. I was very happy with my experience with Shawn Jaffer Law Firm. Thanks Again Shawn!
adam hulsey
GREAT QUALITY WORK. GOT MY BAD CREDIT DELETED AND A $1000 CHECK. THANK YOU SOO MUCH. HIGHLY RECOMENDED AND WITH NO UP-FRONT FEE. THANKS YOU SHAWN
C.O. ` MUZIK
Attorney Shawn Jaffer definitely delivered on his promise!!! He and his staff were very professional and were totally about their business. He was able to have some derogatory collections removed from my credit that were placed in error, and to top it off we walked away with a win from our lawsuit. I will be recommending him to all of my family and friends who have experienced the same thing as myself.
Pattie Pearson
I am very impressed on what Shawn has done for us. I definitely would recommend Shawn to friends and family in similar circumstances. He will take care of you and walk you through the process. You are in good hands!
Ismael Navarro
Well, I was given his number through my credit repair guy! Never met him before, spoke to him over the phone about a credit service company. Felt really comfortable after the conversation.The credit company was.....- harassing me and my family daily- leaving voicemails with family members about my credit- calling my work/ sisters work harassing themI spoke with Shawn, he gave me direction to follow when they called. I did, sent it to him with 1 week, lawsuit against creditor and WON! Also, they had I remove the so called debt I had from my credit report! So, long story short 1 week he fixed my issue and put money in my pocket without having to do more than 10 min of work!Well done! Came through as promised and then some!A++++++
Demitrios Nikos
This is 7 star 🌟 service make no mistake.Shawn Jaffer, Esquire during our initial conversation impressed me with his grasp of the law and made steps to help me with my case before we discussed retaining him to represent me. For a consultation call ‘that was a first!’As my attorney, he was fierce, ferocious, fearless and crushed the opposition in my ‘fair credit reporting’ and ‘illegal debt collecting case’He wrestled the opposing counsel to the ground and won a great settlement for me. I give him 7 Stars ⭐️ because..1). Shawn was working on my behalf before he was retained.2). Shawn managed my expectations.3). Shawn did what he promised and much more.4). Shawn’s integrity is unimpeachable, there was never a time I called that he did not answer my concerns.5). Before I had to ask for my payment, the money was in my hand. Forget the rest and select the best - that was Shawn Jaffer’s for me.Shawn, you are razor sharp. Thank you so very much.
Jacqueline Jackson
Shawn was very helpful and personable with me and my case . He took me and my situation very seriously , and his approach to me was warming and comforting that I had someone on my side that was going to work day and night to make my situation right. Thank You Shawn for your knowledge and skills that saved my family and home. I hope to not have to go through this situation again . However if I do , I will definitely do it again with you Sir .SincerelyJ Jones
Krystal Jones
The Jaffer law firm was prompt and responsive from day one. I was having problems with a dealership not owning their mistake. The Jaffer law firm was diligent and accommodating. They trusted their process and took me on as a client. Each and every time I called, I was able to ask a question and get an answer right away. I was impressed with their candidness and reassurance as well. I'd recommend them as they know their business very well.
Rich Kordsmeier
I had never had issues with a collector before. Shawn was referred to me by a friend, he put me at ease from the beginning. Not only did he do everything he said he would, he was quick about it. He communicated all the way thru the process, he's very profesional. He is the first person i will call in the future with any credit issues.
David Ruiz
At least a 5 STAR rating. Very professional, pleasant interpersonal conversations, and EXTREMELY THOROUGH! Amazingly I never left my home. I very much appreciated their sharing with me that Creditors MUST abide by a very strict legal code of regulations. They also gently talked me out of making those WRONG strategic moves. I simply left everything in their hands.. and they proved to me that they were very Savvy experts. Mack Williams - Arlington, TX