Successfully Defending Credit Card Lawsuits in Pennsylvania

Philadelphia Debt Collection Defense Attorney

It has become a more common action in recent years for debt collection companies to file lawsuits against individuals who owe monies that are past due. For many people, this can be a frightening experience that they are wholly unfamiliar with. Frequently, they don't know how to react to these last-ditch efforts by collection agencies to force payment of old debts.

There are two actions that definitely should not be done by individuals that are being sued. One is to not respond to the suit and the other is to fail to properly answer the legal action against them. Both can end up in a favorable outcome for the debt collector. Remember that the person who brings the suit must prove their case and this is not always easy to do. They must be able to document the original debt and show that percentage rates were legally and properly charged. They have to prove that all charges were in accordance with original card holder agreement and other important facts.

Going on the Offensive in Pennsylvania

If you have been sued over credit card bills there are other actions beyond a good defense which can be taken to bring about a positive result for your case. Many times, illegal creditor abuse or harassment has been carried out by the very company that is now seeking to sue. Per federal law, these abusive collectors can be sued and damages awarded for the consumer. Additionally, Attorney Forbes may be able to aggressively pursue debt negotiation with creditors to get your debts resolved without the need for litigation.

Credit collection groups rely on an individual not being able to deal with their forceful tactics. It can be a different matter when an equally forceful attorney is representing the consumer. Experience allows me to know how to respond to credit card lawsuits and when to go on the offensive on behalf of my clients.