Categorized | Lawsuits

Do I need an Attorney?

I am very surprised by the number of people who don’t consult with a consumer attorney on a credit card case.  As soon as you receive a collection letter or phone call, you should speak to a consumer attorney right away.  Most of us, my office specifically, will give a free telephone consultation about the collection process and to discuss your defenses and rights. 

I have found that many of you instead call the collection agency to try to work out a payment plan.  What a huge mistake!  That is exactly what they want you to do, its part of what they base their business model on! The truth of the matter is that most collection agencies have difficulty in proving a case against you in a court of law.  That’s why they call you and use high pressure tactics to get you to pay.  Once you make a payment, or even agree to one, you may have severely damaged your case.

A frequent question that I face is whether the individual can handle the matter themselves.  I almost never think that this is a good idea.  They ask, what can I do that they can’t?  Think about it, I do this every day, with tremendous success.  I usually know exactly what language is in your lawsuit without even seeing it just by learning the name of the collection agency.  I know which attorneys they hire, how those attorneys operate, which documents they have, their usual success rate and so on.  Are you willing to risk a $9000 judgment against you just to save a few dollars in attorney fees?  It doesn’t make sense to me.  Look, I try to be as blunt as I can with clients, they really do appreciate it.  I’ll tell you if I can help you and I’ll also tell you if it’s in your interests to go another direction.  (I often do this with the smaller cases, where it doesn’t make sense to hire me to defend a $750 lawsuit).

The key is to not make a mistake by calling the agency or by filing your own response to the credit card lawsuit.  That’s my job, to handle that aspect of it and to give you a good result at the end.

If you have any questions about a collection agency or credit card lawsuit in Pennsylvania, call my office at 412-823-8003 for a free, no obligation consultation.

One Response to “Do I need an Attorney?”

  1. Moe says:

    Great info on this site! Thanks!

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Credit Card Lawsuits

If you are faced with a credit card lawsuit, whether its an original creditor or a junk debt buyer, contact my office at 412-823-8003 right away. We offer a free, no obligation review of any credit card based lawsuit that is filed in PA.

FDCPA Attorneys

Many Debt Collectors threaten people, that's a fact. Threats of wage garnishment, jail, fraud charges and contacting employers, friends and relatives happens every day to people just like you. The truth is that most of these threats are illegal. If a debt collector is threatening you, contact our office at 412-823-8003 for a free initial consultation.