Have you been sued by a credit card company, a hospital or doctor's office, a collection agency, or a finance or insurance company?  If you have been, THEN YOU ARE NOT ALONE!

Lenders like these  have increased their collection efforts in the past few years to include, more than ever, the filing of lawsuits to collect unpaid bills.  Recent studies show that borrowers, in almost all collection cases, do not show up to defend themselves and do not take advantage of fairly common defenses. 

As a result, lenders frequently collect money from borrowers where the amount owed is wrong, where lenders or their lawyers fail to follow rules and laws intended to protect borrowers, and where the borrower has a partial or complete defense to his obligations to pay the debt.    Recently the press has taken note of the abuses:

• Problems Riddle Moves to Collect Credit Card Debt - New York Times
  
• Many flaws found in flood of credit card debt-collection lawsuits - Business Journal
• Roughly 90 Percent Of The Credit Card Lawsuits... Can't Prove The Person  - Huffington Post
• Credit card collection lawsuits full of flaws - Chicago Tribune
• Credit Cards Hit Clients With 'Robo-Signed' Lawsuits
  

I want to change that!

I have over 24 years' experience as a lawyer in the financial services field.  I offer affordable legal assistance to ensure that consumers understand and are able to assert their rights in connection with lawsuits against them.  For a modest fee, I offer a one-time in-office analysis (about an hour) of a consumer's specific situation, along with advice and materials to assist a debtor to participate meaningfully in a  case against him.   I also will provide further representation in most circumstances for a reasonable fixed fee.  

Addressing credit card lawsuits is frequently cheaper than filing bankruptcy:

Typical Bankruptcy Fees	NCCreditcardlaw.com
$1000-$1500 Attorneys' Fees $306   Filing fees $72     Credit Counseling fee $100  Credit Report Total:  $1478 - $1978	$300-$1400

Examples of What We Can Do

Example 1:  Client called after the sheriff called him about enforcing a default judgment entered in connection with an $18,000 credit card debt.  The sheriff was preparing to seize Client's personal belongings, and Client was considering bankruptcy as the only alternative.  After reviewing the situation and in less than 24 hours, we were able reach an agreement with the creditor to stop collection actions for a year in exchange for $2000 and installments of $62 per month.  No bankruptcy was required. 

Example 2:  Client called because a lawsuit had been filed against him by a credit card company and he was concerned that a judgment would be entered on a $22,000 credit card debt while he was being considered for a new job; he believed that he would not get the job with a judgment recorded in the public record.   He had some funds but not enough to satisfy the amount requested by the creditor.    In less than 24 hours, we negotiated a settlement with the creditor under which he was required to pay 50% of the requested balance in two equal installments  -- one now and one in twelve months.  No judgment was entered.   He got the job.

Example 3:   Client called because she was receiving scary correspondence from credit card companies and collection agencies regarding several credit cards that were past due.  We reviewed the correspondence and worked out a plan for her to address all of her debts for significantly less than requested by the creditors, and well within her resources.

It is unreasonable to expect that your credit card debt can be eliminated on a "technicality", but it does happen from time to time.

  

I like to meet with my clients, but if that is not possible we can accomplish all our purposes over the phone and with other electronic communication; in most circumstances, you will never have to go to court in order to assert your rights.  But, if we must, I am certainly capable and willing.

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