Debt Defense Utah

Ronald Ady
Trial Attorney
Attorney ServicesAbout Me
7

Call Me

(801) 746-3500
consumer@80law.com

Visit the Office

8 E. Broadway, Ste. 725
Salt Lake City UT 84111

A Practice Dedicated to Consumer Protection: Ronald Ady

Commencing in 2003 Ronald’s practice has been dedicated to protecting Utah’s consumers. This firm will not act for banks, insurance companies, debt collectors, or other creditor interests which pursue claims against consumers.

To enhance his skills as a consumer advocate and to better serve his clients Ronald has attended scores of consumer conferences, including many conferences on defending consumers against junk debt buyers, and has received extensive training on making claims for clients against abusive debt collectors.

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Medical Debt Defense

Medical debt can be a confusing maze of paperwork and codes for a consumer being collected upon by a debt collector.

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Discharged Bankruptcy Debt Defense

A debt collector demanding payment of a debt discharged in bankruptcy has violated Federal law.

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Credit Card Debt Defense

We have a proven strategy for defeating junk debt buyer claims.

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Stop the Debt Collector From Blowing Up Your Phone

Under the TCPA damages of $500.00 to $1,500.00 per call may be payable by debt collectors.

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We used Ronald Ady’s services during a very difficult time in our lives. We were receiving threatening phone calls including the possibility of wage garnishment. Ronald stepped in and very professionally intervened so that the calls stopped and we could work to get our lives back on track. Ronald was kind, thorough and understanding. We would highly recommend his services!

Art D.

★ ★ ★ ★ ★

Ronald is not like any other lawyer. He exudes professionalism, attention to detail, and a degree of tenderness coupled with tenacity. He immediately built trust by listening closely and taking the time to answer every question I asked. His reasoning was sound and he made me feel like I was his #1 client. While I hope I will never need a lawyer again I will save his email just in case. When you’re lucky enough to find someone like him you don’t want to lose his contact info!

January W.

★ ★ ★ ★ ★

Great Attorney very professional and his knowledge is amazing. He defended me well and we won our case. I would highly recommend.

Ivan J.

★ ★ ★ ★ ★

Reviews are from Debt Defense Utah’s Google reviews.

Contact

Phone

(801) 746-3500

Email

consumer@80law.com

Address

8 E. Broadway, Ste. 725
Salt Lake City UT 84111

2019 © Debt Defense Utah. All Rights Reserved.

Stop the Debt Collector From Blowing Up Your Phone

Under the TCPA damages of $500.00 to $1,500.00 per call may be payable by debt collectors harassing you with robo-calls made to your phone without your consent. We’ve all received these calls. And although the debt collector may be calling you about a debt you owe, you can still collect these damages from the debt collector. In fact, if a telemarketer robo calls you they are also liable under the TCPA. Congress has imposed these heavy penalties do stop these invasions of your privacy. And if you have given your express consent and want to revoke your consent, go to the FTC Website where they will tell you revoke your consent: https://www.fcc.gov/consumers/guides/stop-unwanted-calls-texts-and-faxes. And its always good practice as soon as a debt collector starts harassing you to stop their nonsense by putting them on the National Do Not Call Registry at www.donotcall.gov. We take TCPA cases on a contingency, which means you don’t pay our fees unless we collect for you. If you have had your telephone blown up by a debt collector, call us for a no cost, no obligation case review.

Credit Card Debt Defense

We have a proven strategy for defeating junk debt buyer claims. Junk debt buyers often have no hesitation in suing on debts not owed, stale claims, debts discharged in bankruptcy, undocumented debts, and debts subject to offsets by the consumer. The junk debt buyer business model is built on obtaining a default judgment against you, the consumer. Don’t let that happen. And of course, once the default judgment is on your credit, it is going to greatly increase the cost of getting a mortgage on a home, a loan on a car, insurance (when the insurer uses risk-based pricing), and — yes — of getting a credit card. We know what it takes to win against junk debt buyer lawsuits filed against consumers on their defaulted credit card debt. If you’ve been sued on a credit card debt by a junk debt buyer, call us for a no cost, no obligation case review

Discharged Bankruptcy Debt Defense

A debt collector demanding payment of a debt discharged in bankruptcy has violated Federal law. If this has happened to you, you are entitled to take the debt collector before a bankruptcy judge to seek damages and attorney fees. One would think that would stop debt collectors from trying to collect debts discharged in bankruptcy. But, amazingly, there is a multi-million dollar market for discharged bankruptcy debt among debt collectors. Some debt collectors will not only buy discharged bankruptcy debts and then demand payment from the discharged debtor, they will actually sue on the debt. If you are being collected on by a debt collector on a debt you discharged in bankruptcy, we can make the debt collector pay. Call us for a no cost, no obligation case review.

Medical Debt Defense

Medical debt can be a confusing maze of paperwork and codes for a consumer being collected upon by a debt collector. And debt collectors too often use that confusion to prey upon consumers. Perhaps you read the August 6, 2014 NBC News New York story about the teacher who went to an emergency room and was charged $8,200.00 to bandage his middle finger (no stitches were required). After NBC reported this story the hospital agreed not to pursue the patient for the $2,000.00 balance it claimed was due on this bill. The law provides substantial defenses against medical debt billing abuse. But too often these defenses are not used against debt collectors demanding payment on non-existent or overstated medical charges. We know how to defend against debt collectors suing consumers on medical debt claims. Contact us for a no cost, no obligation case review.

Ronald Ady

Ronald has been a member of the National Association of Consumer Advocates since 2003 and early on in his consumer practice attended Peter Barry’s boot camp. Applying the skills and training he received from some of the best consumer protection attorneys in the country, he prosecuted the first Fair Debt Collection Practices Act (FDCPA) case in federal court in Utah to be taken to jury verdict, a verdict which found the debt collector liable to Ronald’s client. The defendant, in that case, was represented by an AV-rated law firm – one of the best creditor firms in Utah. And in a Chapter 13 bankruptcy case Ronald was successful in defeating over $155,000.00 in proofs of claim filed in that case by junk debt buyers.

Involvement in a national network of consumer attorneys makes available to Ronald the resources and insights of the best consumer counsel from across the nation, attorneys who are likewise dedicated to consumer protection. This association has greatly enhanced the quality of Ronald’s representation of his clients.

Ronald graduated from the J. Reuben Clark Law School (BYU) in Provo. Since starting his consumer practice in 2003, he has defended and defeated claims against consumers by junk debt buyers, medical bill collectors, automobile finance companies collecting on alleged loan deficiencies, automobile repossession companies using strong-arm tactics, home repair vendors, debt collectors filing proofs of claim in bankruptcy – while at the same time successfully prosecuting FDCPA claims for consumer plaintiffs in federal court.