Credit Card / Debt Lawsuit Defense
Please nore: I've written the following to help consumers understand the process of what's happening to them. This is not meant as a guide for you to handle a case on your own, nor does it create an attorney client relationship between you and I , but is for informational purposes only. Keep in mind that the Debt Collectors who file these complaints are all attorneys, many of whom have been practicing for years. There are also changes in the law that occur, so I don't warrant that this website will be updated. If you are served with a complaint, contact an Attorney - myself or one of my colleagues can provide you with current information, and I (and many others) provide free consultations.
So you have received a slip in the mail telling you that you are being sued over your credit card debt? Here's a quick guide on what to expect:
Debt Lawsuit Process steps
If you haven't been sued yet, you still may be harassed by calls, letters and more from debt collectors.
See Tips for advice on reducing debt collector harassment.
1) Answering the Complaint
3) Deciding Trial or Settlement?
Debt bought by a Debt Collector?
If your credit card debt was bought by a debt buyer or debt collector, or you are being contacted by a debt servicer, they are subject to additional rules under the Fair Debt Collection Practice Act (FDCPA).
Violation of these rules is grounds for lawsuit and the statute covers your lawyer's fees, (meaning that you can sue the debt collector without it costing you).
Learn about FDCPA violations
Author Kyle Mastro, Esq. - Civil Litigation Lawyer focusing on Debt Defense