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Archive | May, 2014

Credit Card Lawsuit Defense Tips

Large quantities of credit card lawsuits continue to be filed on a daily basis.  Credit card lawsuits can be defended quite successfully, especially when the debt has been sold to a debt buyer.  Rule number 1:  Do not ignore the lawsuit.  This happens with such great frequency that it is mind boggling.  People often put their heads in the sand when they are sued.  Why?  I have no answer for that.  Get on to google and search for a consumer attorney…get a free consult, and see if anything can be done.  Rule number 2:  DO NOT DEFEND YOURSELF.   You are being sued, for real money.  This isn’t a game, or a movie, or a chance for you to play attorney.  A wise man once said, anyone who represents themselves in a court of law has a fool for a client and an even bigger fool for an attorney.  The collector knows what he is doing.  This is their job, their career, their payday.  You cannot go into an internet chat room and figure out how to defend yourself.  Rule number 3:  Get a current copy of your credit report.  This can show many things.  Date of last payment, charge off amount, payment history, account ownership.  We recommend www.annualcreditreport.com.  The site is free, you receive 1 credit report per year.  Rule number 4:  Do NOT call the collector.  Their incentive is to get you to pay, period.  They are working on a commission…that means that they get a cut of whatever amount you pay.  They are not looking to protect your rights and interests.  Discuss the matter with a consumer attorney first.  Rule number 5:  Do not assume that you owe the debt.  Yes, you may have had a Home Depot card and you may have stopped paying on it, but, that doesn’t mean that you owe the debt.  When you defaulted, Home Depot had a choice to make…sue you, or, sell the debt to a debt buyer.  If the debt was sold, then they have effectively washed their hands of you.  If you pay the debt buyer, you are paying a scavenger.  The claim that the debt buyer purchased is based upon an old account that they bought in what is called an AS IS sale.  That means that all information is treated as unreliable… they have no way of certifying that the amounts are accurate or that you do owe the debt.

If you are reading this, pick up the phone right now and call my office for a consult.  Its free, and I may be able to help you.

Posted in Lawsuits

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.