Credit Card Defense
Have you recently been served with a summons and complaint by a credit card company, collection agency or debt buyer? If you’ve been served then you only have 30 days to hire a lawyer and respond or you lose by default. If you lose by default the credit card company can garnish your wages and seize your bank account balances. Credit card companies count on this! They want you to be scared and overwhelmed! If you exercise your right to hire a credit card defense attorney, they can’t bully you any more. When you hire Rank & Karnes Law, P.C. we go on the offense and stop the 30 day clock right away.
Many credit card cases are dismissed without a trial when the credit card company, collection agency or debt purchaser learns you have a lawyer and will fight back. They have to prove their case in court. When we ask them to produce documents and witnesses they often drop their suit against you. Hire an experienced credit card defense attorney now, before it’s too late. We’re here for you!
Did you know?
Credit card companies thrive on fear and don’t want you to know your own rights. A little information will go a long way in helping empower you to act. Here’s a few things they don’t want you to know.
- An Oregon attorney can temporarily stop the default clock with just a phone call and letter without even filing a response with the Court or you even paying a filing fee. (ORCP 69A)
- Most credit card company lawyers “sue blind” with no credit card contract attached to the legal papers or any details about your account such as dates. Because so few people get a lawyer and fight back! (Do you see a fine print credit card contract attached?)
- The credit card company must prove their case before a judge or jury or you automatically win.
- The company must produce a live witness at any trial to explain all the credit card documents or they cannot become evidence against you. (Establish a foundation and not be hearsay)
- In many cases the credit card company, collection agency or debt purchaser no longer has your original contract or even the monthly statements with all itemized charges.
Rank & Karnes Law, P.C. will be your credit card defense team.
When you hire us, we help you take back the power. We’ll contact the company lawyer suing you. This stops the 30 day default clock. Immediately. We demand that the lawyer produce the original credit card contract, all amendments and every single monthly statement with every single alleged charge. The companies often don’t even have those documents any more! If they refuse to produce the documents, we motion to have the case dismissed. As an added bonus, if the case is dismissed after only a pre-trial motion is filed then they have to repay your legal fees.
If the company does produce the documents then we’ll review them to make sure they are complete. After we’ve done a thorough review of complete documents we’ll file an answer and request a trial. We’ll represent you at the trial and help negotiate a discounted settlement if you need it. But the reality is that credit card companies don’t actually want to go to trial. When you hire us we will work to get the case dismissed.
Don’t wait, call us today. We can stop the clock and get the weight of the suit off your back. 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.
Beware of debt settlement and repayment scams.
Please avoid debt settlement companies from out of state that do not have Oregon attorneys. They cannot represent you in court, get the case dismissed or even negotiate a settlement in the lawsuit. The Oregon Attorney General’s office even has a program to report such companies that are operating illegally in Oregon. (Call: 1.866.814.9710)
Get help today.
Request a consultation
We know that facing financial difficulties is hard, and you don’t have to do it alone. Call to schedule your consultation today. Credit card defense consultations are just $100 up front which will be applied to your attorney fees if you retain Rank & Karnes Law, P.C. to handle your case.