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Credit Card Collection Defense

A credit card company or collection agency has sued you to collect a debt. Now what do you do?

You will need to take action soon to avoid a judgment in favor of the creditor. Once the creditor obtains a judgment in a court of law, they will have other collection options besides harassing phone calls and letters. After obtaining a judgment, your creditor can attach liens to your home, sell certain personal property or garnish your bank accounts.

Do not let them do this. Most credit card collection lawsuits are defective and can be thrown out of court or the claim amount can be reduced. Why? Because most credit card companies or collection agencies have determined that it is more cost effective to file deficient complaints in the Pennsylvania courts than to file proper claims against consumers.

Unfortunately, most consumers are unaware that they have potential objections or defenses to these defective credit card lawsuits. Most consumers simply do nothing, allowing the credit card companies or collection agencies to obtain a judgment for the full amount they claim is owed.

Fortunately, you found this website. Assuming you have not delayed too long, you may have an opportunity to have that credit card lawsuit dismissed or the claim amount reduced. At EDF LAW, we know how to defend consumers who are facing credit card lawsuits. We will review your case to maximize the objections or defenses that may be available to you. We will also aggressively defend your rights in a court of law and can do so in most circumstances without your attendance at court. We will do this for a low flat fee that is likely to be a small fraction of the amount that your creditor claims you owe them.

NOTE: This legal option is NOT related to bankruptcy. We will defend you by entering our appearance in the credit card lawsuit and attempt to have the lawsuit dismissed or the claim amount reduced.

Frequently Asked Questions Regarding Credit Card Collection Lawsuits

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I have been sued by my credit card company. What do I do?

You should contact an experienced attorney immediately. You have limited time to respond to the lawsuit. Because of this time sensitivity, you should not delay in contacting an attorney. At EDF LAW, we can help. Contact us today.

I don’t recognize the name of the company that is suing me. Who are they?

If you do not recognize the name of the company that is suing you, chances are likely that the company is a debt collector who allegedly purchased one of your credit card accounts.

These types of collectors rarely have the proper documentation to support they own the account they are suing you for. We can help you with this type of issue. In fact, we may be able to have the lawsuit dismissed. Contact us today.

How much time do I have to respond?

Normally, if you have been sued in a Pennsylvania Court of Common Pleas, you have 20 days from the date of service of the complaint (i.e., the lawsuit papers that describe the claim against you). The complaint should contain information regarding any response timeframe known as a “Notice to Defend.”

Do not delay or assume that you have unlimited time. Do not confuse certain dates that may appear on the lawsuit papers. You should contact an experienced attorney as soon as possible to discuss your options.

If you received the lawsuit papers, please contact us today.

Do I have to wait to be served with the legal papers?

No. Even if you have not received the lawsuit papers, you do not have to wait. We can start the preparation of your response to the credit card collection lawsuit today. In fact, it is recommended that you do not delay due to the time sensitivity in responding to the lawsuit. Contact us today.

What if I fail to respond to the lawsuit in time?

Once you have received the lawsuit papers (also known as a complaint), you will only have a certain timeframe to respond. Do not delay or assume that you have unlimited time. Do not confuse certain dates that may appear on the lawsuit papers. You should contact an experienced attorney as soon as possible to discuss your options.

If you decide to do nothing, the creditor will obtain a default judgment for the full value they claim in the lawsuit papers. You will be liable for that amount, which may or may not be an accurate amount. Your creditor may then have the option to attach a lien to your home, sell certain personal property or garnish your bank accounts.

Most of these credit card collection lawsuits are defective and you may have objections or defenses which could result in the dismissal of the lawsuit or a reduction in the amount claimed.

What are my chances of having this lawsuit dismissed or the claim amount reduced?

If we decide to represent you in the credit card collection lawsuit, your chances of having the case dismissed or the claim amount reduced are good. There is no such thing as a guarantee, but most credit card collection lawsuits are filed in a defective manner and we have the experience and knowledge to expose those defects.

We are a fully functional consumer law office. If for some reason your case would not be successful, there may be other options available to you and we have the experience and knowledge to help you. To schedule a free consultation with one of our attorneys, please contact us.

What if I have more debt problems than just this one credit card lawsuit?

If your debt problems consist of more than just the credit card collection lawsuit, you may want to look into your bankruptcy options. A bankruptcy may be the better option because it will include all of your debts and you may be eligible to eliminate more than just the debt that your creditor is currently suing you for.

Please visit Bankruptcy to learn more about this option.

How can EDF LAW help me?

EDF LAW is a law office dedicated to helping consumers fight back. We have the experience and knowledge to assist you in resolving your debt problems. Whether you need to file bankruptcy or need legal representation in a credit card collection lawsuit, we can help you. It is our goal to maximize the benefits that the law allows and obtain the relief our clients are seeking.

What are the legal fees for this option?

We offer a low flat fee to represent you in the credit card collection lawsuit. We charge different rates depending on where the collection lawsuit is filed. Our fees are competitive and there are no hidden costs. To learn more, please contact us.

KNOW YOUR RIGHTS. KNOW YOUR OPTIONS

EDF LAW CAN HELP. CONTACT US TODAY!

This website is dedicated to consumers located in western Pennsylvania who are seeking assistance with their debts. The materials and information presented on this website are for informational purposes only and should not be construed as legal advice, a substitute for legal advice or the formation of an attorney/client relationship. You should not assume that the information on this website is exhaustive or applies to your case without consulting an attorney. EDF LAW will only provide legal advice to clients who actually meet with one of its attorneys in a consultation and will only enter into an attorney/client relationship upon the consent of the parties by signing an express written agreement and the tender of an initial retainer payment to this office. The information on this website does not necessarily reflect the opinions of the attorneys or affiliates of EDF LAW . The law often changes and each case is different. The information is not guaranteed to be correct, complete or up to date. Reading this information or receiving any e-mails or correspondence from this office does not constitute an attorney/client relationship. As always, the reader should consult with a bankruptcy attorney before taking any action. Persons accessing this web site are encouraged to seek independent legal counsel for advice regarding their individual legal issues.