The average U.S. household credit card debt is $15,611. As a result, more and more Americans are unable top pay this debt and there has been an increase in law suits filed by credit card companies in order to collect on the debt owed.
Finding yourself in one of these situations?
- Have you receive a summons for a credit card or debt collector lawsuit?
- Have you discovered that a creditor or debt collector already has a judgment against you and is now garnishing your wages and/or freezing your bank accounts?
- Are you wondering what to do next?
If you answered “yes” to any of the above questions, then I may be able to help you. As your lawyer, I will provide quality representation to protect your rights.
Before taking any action on your own, please consider contacting me so I can guide you through this situation and provide you with options to protect you.
How can you get sued for credit card debt?
If an alleged credit card debt is overdue, the credit card company can file a lawsuit against you. The credit card company may also sell its right to collect on the alleged debt to another company called a debt buyer, which can then act on behalf of the credit card company and sue you, sometimes years after the original debt was incurred.
If you have been served with a debt collection lawsuit, you should call Keller Law LLP, even if your creditor is promising to make a deal or you believe the summons is fake.
You have very little time to dispute a debt collection lawsuit. If you allow the company suing you to obtain a default judgment by failing to timely answer the lawsuit, consequences like wage garnishment and frozen bank accounts will be much more difficult to avoid. In some cases, you only have a matter of days to answer the lawsuit.
Creditors may use tactics to delay you from contacting a credit card defense lawyer. They may claim that they are willing to work out a deal, but they are under no legal obligation to do so and could be pursuing a lawsuit and default judgment behind your back.
Protect yourself and your family by getting credit card or debt collector lawsuit help by contacting Keller Law LLP.
What are you options if you receive a letter saying you are being sued?
As a lawyer, there are several things I can do to help you in credit card and debt buyer defense cases.
- First, if a creditor has already obtained a default judgment by sending the summons to the wrong address or misled you in some way, I may be able to have the judgment vacated.
- Second, there are several defenses that can be used against these lawsuits. Many of these suits are brought too late, after the statute of limitations has expired.
- Third, debt collectors may be in violation of Federal law by the means in which they contact you (See Debt Harassment). Further, debt collectors or debt buyers often cannot produce paperwork proving that you owe them anything.
Contact me to discuss your case and how I can help you fight a credit card or debt buyer lawsuit.