03 Jul 2011

Why you need a lawyer if sued by a credit card company.

Credit card lawsuits may result in you paying the debt collector’s attorneys fees, paying penalty interest on an account, or even paying the debt collector for a debt they don’t even own.

If you’re faced with a with a credit card lawsuit in Georgia and don’t know what to do, call me now!

You can also schedule an appointment to meet with me by clicking on the button below. If you are facing one or more credit card lawsuits, contact me today!

Read on about the ways an attorney can save you money when you are faced with credit card lawsuits.

Penalty Interest, Court Costs, and Attorney Fees in Credit Card Lawsuits

Even if you owe a debt that doesn’t necessarily mean you owe everything they’re asking for. Court costs and attorney fees, plus the fees the debt collector is paying their own attorneys, might get tacked on.

These fees are allowed by Georgia law, but the contract your debt is based upon must allow it. Sometimes these contracts do not. Sometimes the debt collector can’t be bothered to find the contract to prove it.

Some debt collectors even ask for more than is allowed by law. If you don’t know what to look for, you might miss this grab for more money by the debt collector.

How a lawyer can help

I force debt collectors to play by the rules in credit card lawsuits. Debt collectors have to prove they have the right to these fees. If they can’t, they shouldn’t be able to collect them.

Contact me for a free case evaluation.  You can also schedule an appointment by clicking on the button below. If you are facing one or more credit card lawsuits, contact me today!

Can this debt collector even sue you?

Just because you might owe a debt does not mean the folks suing you have the right to bring the lawsuit. If it’s not the original credit card company then that means the debt has been sold to a debt collector.

There are rules to these sales. These rules exist for good reason, too. Not all credit card lawsuits are brought by the right people.

What prevents a company from selling a debt more than once?

The laws requiring debt sales to be in writing and to clearly identify the debt being sold prevent double sales. Many debt sales don’t meet these requirements.

This means that settling with a company that doesn’t have their paperwork in order leaves you vulnerable to another lawsuit from another company claiming to own the debt.

How a lawyer can help

I force debt collectors to prove they own the debt. Debt collectors should play by the rules and prove they have the right to bring the lawsuit.

Contact me for a free case evaluation, or click the button below to schedule an appointment to discuss your credit card lawsuit.

What about really old credit card debts?

Credit cards debts have a six-year statute of limitation. Whether your debt is older than six years depends on the facts of your individual case.

A debt collector does not have a right to collect a debt beyond the statute of limitations. In other words, credit card lawsuits on accounts you stopped paying on, and stopped charging on, more than six years ago cannot, and should not, be brought.

Contact me if you feel you’re being targeted for a debt after the six-year statute of limitations. I’ll provide a free evaluation of your case.

How much do you cost?

My costs vary depending on the specifics of each individual case. All credit card lawsuits are different. However, I generally charge in the following ranges:

Magistrate/Municipal Court Debt Cases
$200 to $500

Superior Court/State Court Debt Cases
$700 to $3000

These amounts generally include filing an answer to a lawsuit, going through the discovery process (if applicable), mediation, and trial.

Call me or click on the button below to schedule an appointment to discuss your credit card lawsuit.

What if my court date is tomorrow?

Call me anyhow. I may be able to help you, I may not. We won’t know unless you call.

And yes, I have helped folks when they’ve called the night before their court date.

Who have you fought credit card lawsuits against?

I’ve represented clients against Sherwin P. Robin & Associates, Greene & Cooper, Kramer Linkie & Taylor, Gerald E. Moore & Associates, and more.

Call me or click on the button below to schedule an appointment to discuss your credit card lawsuit.