Are you struggling with debt?
Have you been sued by a credit card company?
Have you been sued by a debt collector?
Do you have a default judgment that needs to be resolved?
If you answered yes to any of these questions, you probably need the help of an attorney. If you are struggling with debt, we can help you sort through the creditors and determine your priorities. We can help you get a plan of action for how to deal with your debts.
If you have defaulted on a credit card, you may be sued by the original creditor or by a debt collector. Rather than trying to sue you, a credit card company may sell the debt to a debt buyer. Either way, you are required to file a written response to the lawsuit within 14 days (if case in Justice Court) or 20 days (if in county or district court). If you fail to respond, the court will issue the credit card company or debt buyer a default judgment for the full amount claimed by the company along with attorney’s fees, interest and court costs. It is much better to respond to the lawsuit. Otherwise, you may waive a defense to the lawsuit. There are also some defenses that are complete defenses to the lawsuit, like statute of limitations or it is not your debt. The only way to know if you have a defense is to talk to an attorney. We handle cases just like this every day and will be happy to review the lawsuit and your situation to let you know if you have a defense to the lawsuit.
You can hire our firm to represent you in a debt collection case. We charge a flat fee, depending on the amount of the debt. Please call for a complimentary consultation and we will share our pricing as well.
We can also help if a default judgment has already been taken against you. It is more difficult to resolve a debt that has been reduced to judgment but it can be done. Please feel free to call if you have an old judgment that needs to be resolved.