Pennsylvania Credit Card Debt Lawyer
Get Credit Card Lawsuit Help Today
Have you been sued by a credit card company or debt collector?
Our team of experienced lawyers can help by offering affordable lawsuit defense. We defend consumers against Discover, Capital One, Cavalry, Portfolio Recovery, Midland Credit Management, Unifund, Velocity, Second Round Sub, and all other creditors and debt buyers.
Our firm has the experience to take on the debt collectors and credit card companies. We have successfully resolved debt for clients across Western Pennsylvania. We pride ourselves in communicating with our clients and explaining the entire legal process to them. Our goal is to save you money. Our fees are a reflection of this goal. Whether we defend against a credit card lawsuit, help you negotiate the lowest possible settlement, or turn the tables and sue your creditor for violations of the law we make sure it is in your best financial interest. With low attorney’s fees and payment plans we can help you get the financial freedom you are looking for and protect your credit for the future.
When you call our office to decide if you want to hire us, we will give you the exact cost of our services and the payment plans available. We never have any hidden costs. We know that our firm can help you resolve your debt and we want to provide you with affordable, trusted, and local debt relief services.
It is important to act quickly when a creditor files a lawsuit against you. The creditors hope that you do not do anything when they start the case against you. This allows them to win the case and get a judgment, even if they don’t have any proof that you owe them money or if they validly purchased the debt they say you owe.
Our team is experienced in helping individuals with debt who are going through a divorce or are recently divorced. Our team can also help you with medical bills, household credit card bills, personal loans, repossessions and other debt which is preventing you from moving forward in your life.
Let us fight for you. When you hire our law firm, you can:
- Avoid dealing with harassing debt collectors or credit card companies yourself;
- Avoid going to Court;
- Avoid worrying or learning the legal procedures;
- Save money and make affordable monthly payments.
- Stop a judgment against you;
- Validate your debt before you settle;
- Settle your debt for a fraction of the amount the creditor wants;
- Protect your credit report from judgments that can hurt your credit score;
- Prevent your bank account from being frozen;
- Protect your property from a Sheriff Sale.
What Are The Steps of a Credit Card Lawsuit?
First Step: The credit card suit will start with the filing of a Complaint. A complaint is essentially the creditor’s description of the amount they allege you owe. This complaint, for a credit card case, can be filed at a local magistrate or at the Court of Common Pleas.
Second Step: DEFEND THE CREDIT CARD LAWSUIT!
Options when defending a credit card lawsuit:
- Preliminary Objections – File preliminary objection to credit card complaint. This is a legal document that tells the court we do not think the creditor has the facts, information, or documents to prove the debt or that they are correctly suing for the debt.
- Answer the Complaint – Provides a response to the credit card company about the allegations made against you by the credit card company, debt collector, or debt buyer.
- Attend the Hearing – We go to the hearing on your behalf, you do not need to attend. This is part of the strategy to defend you against the credit card lawsuit. One of the biggest mistakes made by people is attending the hearing themselves. Attending the hearing yourself can be the reason you lose the case and a judgment is placed against you.
Is a Credit Card Suit Complicated?
It can be. We can make it easy for you. We handle your case from the second you hire us. We notify the creditor and notify the court. We prepare all of the required documents. We go to the hearing or arbitration. We call the creditor and communicate with you directly. This way you do not have to call the court or the creditor. You also, most likely, do not even have to go to court.
Your credit hopes you do not hire us. This is because if you decide to defend yourself, you may not have the same defenses as if you have a lawyer go to the hearing for you. You essentially will be a witness against yourself.
Is a Credit Card Lawyer Expensive?
With our services it is always a fraction of your debt. If you call your creditor to make a lump sum payment or monthly payments to pay the balance, you will pay more money than what we charge for our services. Our fees are always disclosed to you upfront and in writing. All of our fees for credit card defense allow you to make low monthly payments. This allows you to pay us over time. We do this to allow you to get experienced legal representation. The credit card company will have a lawyer protecting their interests its time you did too.
If you want to defend, settle, or negotiate with your creditor we offer payment plans. We will review your situation with you and provide you a personalized debt relief plan.
Do You Do Free Consultations for Credit Card Lawsuits?
Our firm offers free consults in credit card debt lawsuit cases. We offer convenient appointments in our offices in Greensburg, Latrobe, Johnstown, and Irwin. We review the case filed against you and your current financial situation. We are able to tailor your defense to you and your goals. We are able to provide you upfront estimate of fees and a timeline.
With your goals in mind, we provide you all of your debt relief options. As a law firm that can defend a credit card case, negotiate the settlement of a judgment, or even file a bankruptcy if necessary why hire a firm that can only provide one of these options. We are with you from the first time you call until the end of your case. Since we are local we are familiar with the local courts unlike the national companies that will treat you like a number and won’t offer you tailored advice to your needs. Call our office, its free and there is no obligation.
Have You Been Sued by a Credit Card? Act Fast!
In Pennsylvania you only have 30 days to respond to the lawsuit. If you do not respond in 30 days, the credit card company or debt collector can enter a default judgment. This essentially means they get a judgment without ever having to prove you actually owe the debt. This is what the credit card companies rely on. This is because, in many cases, the creditor does not actually have all of the documentation they would need to prove you owe a debt. However, the creditor thinks that if they scare you by filing a lawsuit you will either do nothing (creditor gets a default judgment) or you will call them to pay them off. Both of these options may cost you significantly more than our services. If we win your case you may no longer owe the debt to the debt collector or credit card company. This is why it is important to contact us as soon as you find out about the lawsuit. Let us handle the case by responding the creditor and the court.
What is a Debt Collector or Debt Buyer?
Companies such as Cavalry, Portfolio Recovery, Midland Credit Management, Unifund, Velocity, Second Round Sub, and all other creditors and debt buyers. These companies are not original creditors. They purchase debts from companies Synchrony Bank, Discover, Capital One, or credit cards. Most of the time they purchase these debts for pennies on the dollar.
Many of these companies are subject to the Fair Debt Collections Practice Act too. This means they must follow certain rules while collecting debt. If they do not follow the rules and they violated the FDCPA you may have a lawsuit against them. This can result in you receiving money from them, or them forgiving your debt. You need experienced attorney to evaluate your options when dealing with a debt collector.
Hiring our firm will make your debt collector communicate directly with us. Meaning you will no longer be harassed or pressured by them. We make the debt collector prove their case against you. This is the last thing these debt collector’s want to do, because often times they are not able to legally prove a debt is valid and this is to your advantage.
Creditor Suing on Old Debt?
Creditors do sue when a debt is old. You can win this lawsuit. In Pennsylvania a debt collector or credit card company only has 4 years to file a lawsuit to collect a debt. These companies do file cases that are past the statute of limitations. Your creditor in this case, hopes you do not defend the case. It is possible, if you receive a lawsuit and don’t do anything, your creditor will get a default judgment on a debt they should not be able to collect. It is very important, as soon as you receive the lawsuit, you call us. We can evaluate your defenses immediately and prevent a creditor from getting an improper judgment against you. With a judgment a creditor, in Pennsylvania, can take your bank account or car, they can also put a lien against your house. We fight to prevent this from happening and hold the creditor accountable if they violate the law. We have the experience needed to take on the creditors and their attorneys and we do so all over Western Pennsylvania.
If You Have A Credit Card Judgment, What Can You Do?
It is always best to prevent a judgment if possible. However, if a judgment has been entered you still have options. If you were not given proper notice (you were not informed properly) about the lawsuit and a judgment was entered anyways, you may have the right to have the judgment set aside or opened. This requires the experience of credit card lawyers who know the proper procedure. You must also act quickly. If you are notified of a judgment call us immediately, we may be able to help. Also, you may have options under the bankruptcy code to remove the judgment.
Our unique team can provide not only answers and guidance to defend a credit card lawsuit, or open a judgment, we can also help determine if bankruptcy ay be an option to get a complete fresh start from all of your debt. Unlike other firms and national companies who only provide one debt relief option, we offer personalized, tailored, and local debt relief options. Debt is not a one size fits all option so we provide full service debt relief at our firm.
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.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.