Search Site
2190 N. Loop West, Suite 333 | Houston, Texas 77018
Credit Card Collection Lawsuits

Houston Credit Card Lawsuit Attorneys Defend You in Court

Dynamic credit card lawsuit defense lawyers in Houston

Being sued can be a nerve-wracking experience. You may feel anxious, frightened or confused. At the Law Office of David A. Fernandez, P.C., we prepare the debt defense strategies that protect you in a courtroom.  We offer you direct, candid advice about your options, and work tirelessly to have your case dismissed outright. In cases where dismissal isn’t possible, we are tenacious in our negotiations to lessen the amount of debt you have. We don’t stop until we obtain the largest discount possible for you.

You have enough to worry about. Let us handle the details.

How credit card lawsuits work

If you’re significantly behind on your credit card payments, the credit card company may choose to file a lawsuit against you claiming a breach of contract. If the company wins the lawsuit, you may face penalties such as:

  • Judgment liens against your home, vehicle or possessions
  • Garnishment of your wages
  • Bank seizures of your funds and assets
  • Additional fees

A debt collection defense attorney may be able to help you avoid these additional penalties. The attorneys at the Law Office of David A. Fernandez, P.C. have years of experience successfully defending clients from credit card lawsuits.

Our credit card lawsuit attorneys in Houston offer superior service

At the Law Office of David A. Fernandez, P.C., we offer custom-tailored defense strategies for everyone we help. If you’re facing a credit card lawsuit, we may be able to help by:

  • Countersuing. According to the Texas Debt Collections Act and the Fair Debt Collection Practices Act (FDCPA), creditors are not allowed to harass you about your debt. If you are a victim of creditor abuse by the credit card company, our FDCPA lawyers can file a countersuit in court against them.
  • Demanding evidence. In order for a credit card company to successfully sue, it must produce business records. We examine every part of each record, searching for errors or mistakes.  When we find them, we move to have those records removed from evidence, thus decimating the case against you.
  • Negotiating. For many clients, enormous fees and interest rates increase their credit card debts. In some cases, we cannot eliminate your debt altogether. When that happens, we negotiate inside and outside of courtrooms to eliminate as many of the fees and penalties as we can. We also negotiate to lower the original amount of debt you owe.

Firm founder and lead attorney David A. Fernandez believes that trust is the most important part of his relationship with his clients. He doesn’t make decisions on your behalf, but creates viable paths for you to take when it comes to credit card debt. He is always up-front with you about the realities of your case. David Fernandez doesn’t make promises he cannot keep, so you can rest easier knowing that you’re up-to-date on the latest developments regarding your lawsuit.

Schedule your free initial phone consultation with trusted Houston credit card defense attorneys to help you with your lawsuit

The fallout of a successful credit card lawsuit may affect your life for years. At the Law Office of David A. Fernandez, P.C., we fight vigorously for you in a courtroom, and we always fight to win. To speak with debt defense lawyers who have more than 20 years of experience, contact our firm by phone at 713-893-8509 or online.

Our Recent Lawsuits Filed Against Creditors
  • "MC vs. Conn's" - $553,000

  • "LC vs. Conn's" - $1,026,000

  • "AR vs. Conn's" - $778,500

  • "BB vs. Conn's" - $672,000

  • "GD vs. Conn's" - $636,000

  • "David Fernandez won my case against Midland Funding. What a relief. Thanks so much" - Anthony

  • "David fought multiple of our suits and won when every other lawyer said it wasn’t possible. So thankful for his services" - Jennifer

  • "This guy is the BEST Lawyer I've ever hired. I've been in business for over 46 years and have NEVER won a lawsuit until now! Highly Recommended" - Ron

  • "Mr. Fernandez was the best! He took care of me when my own company's lawyers program did not. I will always recommend him" - Linda

  • "Mr. Fernandez goes above and beyond to help his clients. I highly recommend his law office." - Lorie A.

In the News
  • Texas woman receives a $17,000 bill for a 2-mile ambulance ride

    HOUSTON, TX - Some rides can be very, very expensive. What started as a fun weekend with the gal pals in Galveston, ended in more than a big headache...

  • David A. Fernandez, Attorney Of The Month

Contact us

Quick Contact Form