If you’ve ever been served with a credit card summons, or a threatening letter from a collection agency then you know – it’s terrifying. Your stomach drops and you feel helpless. Credit card companies and debt collection agencies are counting on your fear. Mostly, because there are so many things about debt collection they don’t want you to know.
First, they don’t want you to know you have the right to hire a credit card defense lawyer.
We want you to know you don’t have to face them alone! If you’ve recently been served with a summons and complaint by a credit card company, collection agency or debt buyer then you have only 30 days to hire a credit card defense lawyer and respond, otherwise you lose by default. They’re hoping that you will give up and allow them to win a judgment against you. Then they can garnish your wages and even seize money in your bank accounts. What they really don’t want you to do is hire a lawyer to fight them.
If you exercise your right to an attorney credit card companies can’t bully you anymore. The 30 day clock stops, and when you retain us we call your creditor directly. In most cases, as soon as the credit card company realizes you have representation and you plan to fight back they do whatever they can to avoid actually taking their case to court.
A credit card defense attorney puts the credit card company or debt collection agency on the defense.
Credit card companies and debt collectors don’t want you to know they’re required to prove their case in order to win judgement against you. If they want to take you to court they have to produce documents and witnesses to win their suit. They really don’t want you to know that many of them “sue blind.” This means they may not have any documentation or even your original credit card contract on file! They also have to send someone as a live witness to any trial. Someone who can explain every credit card document and statement, otherwise those documents can’t become evidence against you. Our attorneys will help you hold these companies accountable. We put their suit on trial and make them back everything up with documentation.
Credit card companies and debt collectors don’t want to meet you in court.
The reality is, almost no credit card company or debt collector actually wants their case to go to trial. It is expensive for them to send an attorney, a witness and all documentation for your case to an actual court appointment. They just don’t think you know that! When we call and start asking them for documentation, most companies are eager to settle your case. In many cases we’re able to have the case dismissed.
Rank & Karnes Law, P.C. has experienced credit card defense lawyers available to take your case today.
We’re here to negotiate with these companies so you don’t have to. Most of our clients are surprised how much less scary credit card companies become when you have an experienced attorney on your side. We know exactly what to do and how to protect you. If you’ve been served with a summons and complaint, please don’t wait to call us. We will work to have your case dismissed or negotiate a settlement on your behalf. Credit card defense consultations are just $100 up front and we’ll apply that money to your fees if you retain us to handle your case. Call 503-385-8888 today and stop the clock.