Alabama Consumer Lawyers

The number of credit card lawsuits against cardholders continues to increase as the debt crisis and unemployment crisis drag on. Credit card companies like Discover, Citi and Capital One, are suing people more often and selling more unpaid balances to debt purchasers. Asset, Midland, Portfolio, Bureaus, and similar companies may pay pennies on the dollar for your debt and then try to squeeze as much money out of you as they can. As a result, the small claims courts are issuing more and more default judgments against consumer debtors who are too frightened or too broke to defend the lawsuits. Charlie Lorant has been winning credit card lawsuits for years. Winning could mean you owe nothing AND the credit card companies remove the debt from your credit report.

Just because you owed the debt does not mean you can’t defend the lawsuit. Sometimes the initial debt might have been owed, but often the debt is “stale” meaning it is too old to collect.  Sometimes, the credit card company cannot prove that you owe the debt or prove the actual amount you owe.  Sometimes, the card was settled for a lesser amount and the card company sold the remainder even though you paid the settlement in full.  So even if you owed the debt, you still have debtor’s rights!   In fact the person trying to squeeze the money from you may be breaking any one of several state and federal laws.  You should not give up and we are ready to tell you why!

Remember every situation is different so in order to give you the best advice, contact an Alabama consumer attorney at 205-322-1201 or by visiting our contact page.  We would be happy to give you a free consultation to explain your options.

There are many defenses that we can mount on your behalf so that is why we want to talk to you directly about your options.  Call an Alabama consumer lawyer at 205-322-1201.  Or, complete our contact page to send us a message.