fbpx

Johnstown Credit Card Defense Lawyers

Get Credit Card Lawsuit Help Today

Are you facing a lawsuit from a credit card company, original creditor, or debt buyer? Whether it’s Discover, Citibank, Synchrony Bank, TD Bank, LVNV Funding, Midland Funding, Portfolio Recovery Associates, Zwicker & Associates, Weltman, Weinberg & Reis, or any other debt buyer or collector, we are here to assist you. Our highly skilled Johnstown credit card defense Attorneys specialize in handling these types of cases. We are experienced in defending lawsuits filed at the Magistrate or in the Cambria County Court of Common Pleas.

Simplify the process of getting help with your credit card issues with our Johnstown Credit Card Lawyers. In just three steps, we make it easy for you.

Step One: If you received our flier or found us on this website, take advantage of our free consultation if you’re being sued by a credit card company, debt buyer, or struggling with credit card debt.

Step Two: After the consultation, if you choose to have our team represent you, we’ll provide a straightforward agreement that outlines all fees and payment plan options.

Step Three: Once you’ve made your decision, leave the rest to us. We’ll immediately start executing the debt defense strategy we discussed during our consultation.

Our Johnstown Team strives to either dismiss the lawsuit or reduce the debt amount. In cases where complete dismissal is not possible, we often negotiate a settlement with a payment plan for a fraction of the original amount. Our goal is to ensure you pay nothing or a significantly reduced amount to the creditor. With over 35 years of experience, our team has been assisting clients throughout Western Pennsylvania.

If you are facing a debt lawsuit, we offer free consultations with our Johnstown Credit Card Defense Lawyers. Our affordable and cost-effective representation can protect you from the harassment of debt collectors and credit card companies. Our Johnstown Debt Defense Team provides payment plans for all debt relief services. It is crucial to have a knowledgeable and experienced attorney who offers an affordable payment plan.

Our experience reveals that many of our clients facing lawsuits for unpaid debts have already made significant repayments towards their original debt. However, relentless interest rates and an unwillingness to negotiate from credit card companies and debt buyers have resulted in sky high balances that are nearly impossible to tackle alone. Our dedicated Johnstown credit card debt relief team is here to assist you in defending yourself and negotiating a suitable repayment plan, if required. While banks and lenders have legal representation on their side, it’s crucial for you to have a knowledgeable and experienced attorney advocating for your interests.

Experience the expertise of our Johnstown credit card defense team as we diligently investigate your case and provide you with a comprehensive review of your options. As a leading Johnstown Law Firm, we go above and beyond by offering a wide range of debt solution options. Unlike others, we are not constrained to solely defending lawsuits, settling debts, negotiating with creditors, or filing bankruptcies. With us, you can rest assured that you will receive the optimal debt relief option tailored specifically to your needs.

How to Defend a Credit Card Lawsuit in Johnstown

Navigating a credit card lawsuit can be challenging, but with the right strategies, you can protect your interests. Here are some general tips to help you build a strong defense:

  1. Respond to the lawsuit: When facing a lawsuit from a creditor, it is crucial to promptly respond. Typically, you will be given a specific timeframe of around 20-30 days to address the complaint. Ensure to file an Answer at the Cambria County Clerk of Court Records. Failing to respond within the specified time may result in the creditor winning the case by default.
  2. Review the Complaint: Thoroughly examine the complaint and accompanying court documents filed by the creditor. Pay close attention to any inconsistencies or inaccuracies in the paperwork, such as outdated or incorrect information. Take advantage of our expert Johnstown Credit Card Defense Team’s assistance today.
  3. Seek legal advice: Consult with a highly experienced attorney specializing in debt collection defense. An attorney with extensive knowledge in this area can assist you in understanding your options and devising a solid defense strategy against the lawsuit. To safeguard your rights, contact our Johnstown Credit Card Defense Team. Our team has vast experience in handling cases in both the Cambria County Court of Common Pleas and the magistrates throughout the county.
  4. Challenge the creditor’s evidence: If the creditor fails to provide adequate proof of your debt, you have the opportunity to contest the lawsuit. Additionally, you can question the admissibility of the evidence presented by the creditor. Our skilled team of Debt Defense Attorneys in Johnstown specialize in ensuring that credit card companies and debt buyers follow all necessary court regulations.
  5. Negotiate a settlement: If you find it difficult to defend against a lawsuit, consider negotiating a settlement with the creditor. Our expert team in Pittsburgh can help secure a favorable settlement, potentially saving you hundreds or even thousands of dollars. Whether it’s reducing the amount owed or setting up a manageable payment plan, we have the skills and experience to negotiate on your behalf with debt buyers or original creditors.
  6. Attend court hearings: In the event that your case proceeds to trial, it is crucial that you attend all court hearings and come prepared to present your case. Remember to bring along any pertinent documentation or evidence. By hiring our credit card defense team, you will be able to avoid having to appear in court.

Facing a credit card lawsuit can be daunting, but our Johnstown team of experienced Credit Card Defense Attorneys is here to help. We understand that every case is unique, and the outcome depends on the specific facts. That’s why we offer free consultations to assess your situation and provide tailored legal advice. We also offer affordable payment plans for all debt relief services, ensuring that financial assistance is accessible to all. Don’t face this challenge alone – contact us today to explore your options and protect your rights.

What To Do With A Credit Card Lien?

Having a credit card debt lien against you means that a debt buyer or original creditor has a legal claim on your property or assets for a debt or obligation you owe. This gives them the right to seize or sell your property if you don’t pay the debt.

A lien can have serious consequences, as it can impact your ability to sell or refinance the property involved. The lien holder may also be able to garnish your wages or bank accounts to collect the debt.

Normally, you must settle the debt with the lien holder or pay off the debt in order to have a lien against you removed. If you feel the lien was wrongfully imposed on your property, you might be able to challenge its validity. You can fight the lien or negotiate a settlement with it for less than you owe with the aid of our team of skilled debt relief lawyers in Johnstown.

A lien placed against you must be resolved as quickly as possible because it can negatively impact your financial standing and credit score. Consulting with a Johnstown Debt Lawyer can help you understand your options and establish a strategy to address the lien. We provide free personalized consultations to go through all of your debt relief options.

Is It Expensive to Hire a Johnstown Credit Card Defense Lawyer?

Discover peace of mind with our Johnstown Credit Card Defense Team. Schedule a free consultation today and take advantage of our affordable, low initial payment plans for all debt relief options.

Make the right choice for your credit card debt or credit report issues with these helpful tips for selecting a credit card defense attorney.

  1. Look for experience: Seek out legal representation from an attorney who is well-versed in handling credit card cases. Take a look at their website or online profiles to determine if they have a specialization in credit card law or a track record of dealing with similar cases. Our Pittsburgh team proudly serves clients througout Western Pennsylvania.
  2. Check credentials: Verify that the attorney is licensed and maintains a reputable standing with the bar association in your state. Access this information conveniently through the bar association’s website or by contacting them directly.
  3. Read reviews: Seek out reviews or testimonials from past clients to gain insights into the attorney’s working style and track record of success.
  4. Consultation: Schedule a consultation with our attorney to discuss your case and understand their communication style and approach. Ask questions regarding their experience, fees, and strategy for your particular situation. Take advantage of our free consultations for all debt relief options.
  5. Fee structure: Ask about the attorney’s fee structure and billing method. Some attorneys charge a flat fee, while others charge hourly. It is essential to understand their fees and any possible additional expenses before engaging their services. Rest assured, we provide convenient payment plans and clear fee agreements for all our clients.
  6. Comfort level: When it comes to legal representation, it’s crucial to have an attorney who not only instills confidence but also makes you feel comfortable. Our Johnstown credit card defense attorneys are dedicated to understanding your case and genuinely caring about your needs. With their extensive experience, you can trust them to deliver the best results for you and your loved ones.

Trust Us To Restore Financial Stability

Debt is stressful. We offer reasonable legal fees and payment plans to all of our debt relief and bankruptcy clients.

To learn more about your debt relief options call at 724-832-2499, email or chat.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

DIVORCE & FAMILY LAW

Allegheny County

Cambria County

Westmoreland County

BANKRUPTCY & DEBT RELIEF

Allegheny County

Cambria County

Westmoreland County

WILLS ESTATES & TRUSTS
BUSINESS LAW
ACCOUNTING & TAX SERVICES
PERSONAL INJURY
DUI & TRAFFIC TICKETS
CRIMINAL LAW

WE LOOK FORWARD TO HELPING RESOLVE YOUR LEGAL ISSUES.

Call 724-832-2499 today to arrange a confidential consultation with an experienced lawyer at our firm. Or, if you prefer, complete the brief online form.
View Disclaimer
View Privacy Policy

OUR LOCATIONS

Bononi & Company, P.C. – Greensburg Office

20 N Pennsylvania Avenue Suite 201
Greensburg, PA 15601
Phone: 724-832-2499
Fax: 724-836-0370

Greensburg Law Office Map

Bononi & Company, P.C. – Pittsburgh Office

417 Frick Building, 437 Grant Street
Pittsburgh PA 15219
Phone: 412-832-0606

 

Bononi & Company, P.C. – Latrobe Office

1315 Ligonier St
Latrobe, Pennsylvania 15650

Bononi & Company, P.C. – Johnstown Office

319 Washington Street Suite 320
Johnstown, Pennsylvania 15901
 
Facebook-f Twitter

© 2023 Bononi & Company, P.C. All Rights Reserved.

Disclaimer | Site Map | Privacy Policy

Disclaimer

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Privacy Policy

This privacy policy discloses the privacy practices for www.bononiandbononi.com. This privacy policy applies solely to information collected by this web site. It will notify you of the following:

  1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
  2. What choices are available to you regarding the use of your data.
  3. The security procedures in place to protect the misuse of your information.
  4. How you can correct any inaccuracies in the information.

Information Collection, Use, and Sharing 
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Control Over Information 
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

  • See what data we have about you, if any.
  • Change/correct any data we have about you.
  • Have us delete any data we have about you.
  • Express any concern you have about our use of your data.

Security 
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

We also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Updates

Our Privacy Policy may change from time to time and all updates will be posted on this page.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 412-832-2499