Credit Card Collection Suits

When a lawsuit is filed against you for unpaid credit card debt, what the debt collector says is only one side of the story.  Even if you think you owe the debt, remember that you have rights and you do not simply have to pay what the company says.  Call us at 205-322-1201 for a free consultation so we can custom fit a defense to your collection lawsuit.

The first step to take if you are served with a lawsuit notice, is to respond. Let the court know that you are going to challenge the lawsuit otherwise the judge will rule in favor of the collection company and you will owe whatever they say you owe.  If you don’t respond, you will lose on the collection company’s terms!

If you are served with a summons or a garnishment on a credit card debt, do not ignore it! The only way to make it go away is to fight!  If you do not answer, a judge will likely enter a “default judgement” against you.  That could lead to even bigger troubles like going after your bank accounts, garnishing your paychecks, or taking your car.  Answer a collection lawsuit right away.   The sooner you start your defense, the better.

After letting the court know that we will challenge the debt, our first step will be to determine if you even in fact owe the debt or to determine if the company suing you has a legal right to do so.  Then we will look to the several consumer debtor’s rights laws for any flaws in their collection or lawsuit activity.  There is usually a way to beat a credit card suit, particularly when a collector is suing you.

There are many avenues that can be taken in your defense.  Call us at 205-322-1201 to talk to an Alabama consumer attorney about your credit card lawsuit. You can also contact us through our contact page with your questions or to schedule a free consultation.