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Credit Card Lawsuit Defense

In Texas, a lawsuit regarding an overdue credit card bill can be either a good thing or a bad thing. The outcome is almost completely dependent on how you choose to handle the situation. Credit card lawsuit defense lawyers in Houston can help ensure that the lawsuit has a positive outcome for you and your family.

When you are sued, your most important immediate concern is not the lawsuit’s validity. Even if you have been erroneously named in the suit, contact a Houston credit card lawsuit attorney right away. You only have a few days before the moneylender may be able to have a default judgment entered against you. At that point, it will probably be too late to contest the merits of the suit.

A positive outcome

Sometimes, your credit card lawsuit defense lawyer in Houston can find a technicality that leads to the debt’s cancellation. Such outcomes are increasingly more frequent, now that the moneylenders are being somewhat reckless in their collections efforts. A more likely result is that your debt can be settled for a few cents on the dollar, especially if the plaintiff is a debt-buyer.

A negative outcome

Texas is a very debtor-friendly state. Especially for an unsecured debt like a credit card or payday loan, the worst possible outcome is that the moneylender or debt-buyer will obtain a judgment against you. In Texas, while that judgment will adversely affect your credit score and your ability to buy and sell real property, your wages generally cannot be garnished over a past-due credit card bill.

Make the right choice concerning your credit card lawsuit. Contact The Law Office of David A. Fernandez, P.C. to schedule your confidential consultation.

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Our Recent Lawsuits Filed Against Creditors
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  • "AR vs. Conn's" - $778,500

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  • "GD vs. Conn's" - $636,000

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