Are You Being Sued By a Credit Card Company in Pennsylvania?

When a consumer falls behind on their debt payments, there may come a point where their creditor files a civil suit against them to collect the debts owed. Such aggressive action must still follow debt collection laws and cannot violate the individual's consumer rights. These lawsuits are usually a creditor's last resort to obtain repayment, generally after collection calls or auto repossession.

I’ve Been Sued by a Debt Collector. What Do I Do Now?

If you have been sued by a creditor, the first step you should take is to hire a Philadelphia debt collection defense attorney from the offices of Michael P. Forbes, PC.

After you have retained aggressive legal representation, you will have the counsel and guidance you need to negotiate with your lender to settle your case outside of the courtroom, or the representation you need should your case go to court.

Creditors are usually willing to negotiate a satisfactory settlement, since the litigation process is time-consuming and often expensive. The best decision you can make if you are facing a lawsuit is to get the legal assistance you need to ensure that you avoid a messy and damaging trial case.

Don't Ignore a Lawsuit. You Can Win It. Even if You Owe the Debt!

Below you will find some basic information and tips that will help you defend yourself if you are being sued by a credit card company.

These tips will guide you, but the only way you can be assured to a great defense is by having representation by a lawyer who defends these types of cases on a consistent basis. That is what we do here at Law Office of Michael P. Forbes, PC.

Alternatively, in the event that you feel that you can handle matters on your own or if you don't feel comfortable contacting me at this time, I am offering you a sensible strategy that could work for you, if executed properly.

A word of caution:

These actions are not easy to take and most of the time consumers hire lawyers to defend them rather than become mired in the complexities that come along with lawsuits in general. Like the old saying says,

"A lawyer who defends himself has a fool for a client." 

ATTENTION: Under no circumstances should you ignore the lawsuit. The credit card companies and the debt buying companies count on you to do this so they can get a lien against your property. Most of these cases are winnable, even if you owe the debt, because the credit card companies, and especially the debt buyers, seem to have a lot of problems proving their case due to a lack of the proper documentary evidence required under the law.

The above tips will guide you, are for educational purposes only and are not intended to be relied upon by you. The only way you can be sure to mount a great defense is through representation by a lawyer who defends these types of cases on a consistent basis. That is what I do.

Protection From Credit Card Companies

At The Law Office of Michael P. Forbes, PC, we encourage you to get the help you need with any credit card company that has filed a lawsuit against you.

Why Hire Michael P. Forbes?

My firm will provide the counsel and guidance you need and welcome you with a judgment-free atmosphere. I understand that your financial situation may not be your fault.

More than anything, I want to help you fight creditor abuse and protect your consumer rights regarding your debts. I have more than 25 years of experience in debt collection law and will fight tirelessly to ensure that you win the best possible results for your case.

Recommended Reading:

• How Do I Defend Against a Credit Card Debt Lawsuit?
• Defenses for Credit Card Lawsuits