Philadelphia Credit Card Lawsuit Lawyer

There are many different defenses that can be used in credit card lawsuits. Some of these include the following:

• Lack of Property Documentation: If the credit card company does not have the original documentation (such as the original debt contract) that proves that you owe the debt or that proves the amount you owe, this could be grounds for challenging the plaintiff's claim. Documentation sometimes gets lost in the process of debt changing hands multiple times, such as from the original creditor to a debt buying company, and then to another debt buying company.
• Statute of Limitations: The state of Pennsylvania places a four-year statute of limitations on lawsuits relating to contracts, which applies to credit card debt. This means that the credit card company only has four years from the default date to sue an individual for unpaid debt. If the statute of limitations has already passed in your case, you can use this to challenge the validity of the claim.
• Violations of Fair Debt Collection Practices Act: If your credit card company or debt collector violated federal law by using deceptive or overly aggressive tactics when trying to collect the debt from you, you might be able to file a countersuit against that party. The Fair Debt Collection Practices Acts establishes what a creditor or debt collect can and cannot do when trying to collect payment. When the creditors violate these rules, they can be found guilty of creditor abuse.