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Credit Card Lawsuit & Debt Buyer Lawsuit FAQ

Q: Where do you practice?
A: All over Texas. I have handled cases from Lubbock to Houston and defend debt collection cases throughout the state.

Q: Do you charge an initial consultation fee?
A: No. I won’t bill you for talking to you on the telephone either.

Q: Do you handle Original Creditor cases too?
A: Yes. Many are listed in my Results section. Many more cases that are not listed were settled for much less than what was claimed, in some cases for as little as 5% of the debt, though each case and each creditor Plaintiff is different.

Q: What is the difference between Debt Buyer cases and Original Creditor cases?
A: An Original Creditor Collection lawsuit is simply a lawsuit brought by the Original Creditor (i.e. original lender or Credit Card Company) and not an entity that purchased the defaulted debt from the Original Creditor or somebody else. These cases may be substantially different than Debt Buyer cases in that the Plaintiff may have the documents and witnesses needed to prove their case. Then again, they may not. Each case is different and each outcome unpredictable. In my experience, an Original Creditor case is much more likely to end in some sort of reasonable settlement than a Debt Buyer case, given the fact that they are more likely to have access to the documents and witnesses needed to succeed at trial.

Q: Can you guaranty a specific result?
A: No. No trial lawyer can and any that does is doing his client a great and unethical disservice.

Q: Do you practice Bankruptcy law?
A: No, but I have referred numerous clients to Bankruptcy lawyers and will do so if I feel that exploring Bankruptcy is in the client’s best interest. I have also had numerous clients whom believed that Bankruptcy was the only option, only to work them out of their Collection lawsuits one at a time and avoid Bankruptcy altogether.

Q: How long will it take to resolve my case?
A: My best answer is that I just don’t know. I have had cases in Justice of the Peace Courts set for trial three weeks after filing. Likewise, I have had Collection lawsuits filed in District Courts that weren’t set for an initial trial setting for over two years after filing. I cannot predict when your case will be set for trial or when it will be resolved. Unfortunately, it’s not up to us.

Q: Will I get to see the pleadings and other legal documents you draft on my behalf?
A: Yes, I will email you copies of all pleadings and discovery that I serve on the Plaintiff.

Q: Do you file lawsuits against abusive Debt Collectors for consumers too?
A: Yes, in addition to Debt Collection defense, I also file lawsuits against collectors for violations of the Federal Fair Debt Collection Practices Act, the Texas Debt Collection Act, and the Texas Deceptive Trade Practices Act. If you have been abused by a Debt Collector, feel free to contact me and I will evaluate your case for free.

Q: Where are you located?
A: In Walnut Glen Tower near the intersection of North Central Expressway (I-75) and Walnut Hill Lane in Dallas.

Q: Can I represent myself.
A: Yes.

Q: Should I represent myself?
A: Absolutely not. Let me write it again – absolutely not. There is a saying that “A lawyer is his own worst advocate,” the idea being that even those of us who are trained in the rules of procedure and evidence shouldn’t represent ourselves in adversary matters. Pride and emotion tend to cloud good judgment and often lead to poor decision making. For the non-lawyer, representing one’s self in a lawsuit is akin to walking through a minefield with a blindfold on. You need to know that once you file an Answer on your own behalf, you have stepped into the world of the seasoned trial lawyer, and the Court will hold you to the same standards as a licensed attorney. The Collection Attorney will use your lack of knowledge of the rules of procedure, discovery and evidence against you – I see it all the time. I have had numerous clients come to me with a huge problem – there is a “Motion for Summary Judgment” set in their case because they failed to timely or properly respond to discovery – discovery that they didn’t even realize had been served on them. While I do take cases that are in this already damaged state and have had great success at repairing the damage, there is no need to put yourself there in the first place. Give me a call or send me an email and we can discuss your cases.

Q: Do you take payment plans?
A: Yes. Contact me and we will discuss your situation and try to tailor a plan that fits your needs.

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Practice Areas
Include but are not limited to defending lawsuits involving these debt buyers, credit card companies and credit card attorneys:

Allen L. Adkins & Associates PC Lawsuit Attorney
American Express Centurion Bank Lawsuit Attorney
Arrow Financial Services, LLC Lawsuit Attorney
Asset Acceptance, LLC Lawsuit Attorney
CACH, LLC Lawsuit Attorney
Capital One Bank (USA) NA Lawsuit Attorney
Capital Financial Credit, LLC Lawsuit Attorney
Citibank, N.A. Lawsuit Attorney
Discover Bank Lawsuit Attorney
Dodeka, LLC Lawsuit Attorney
LVNV Funding Lawsuit Attorney
Mann Bracken, LLP Lawsuit Attorney
Michael J. Scott P.C. Lawsuit Attorney
Midland Funding, LLC Lawsuit Attorney
Pharia, LLC Lawsuit Attorney
Unifund CCR Partners Lawsuit Attorney
and more... Review Results

Texas City Links
Attorney providing credit card lawsuit and debt lawsuit defense in all Texas cities including
but not limited to:

Abilene
Austin
Amarillo
Dallas
El Paso
Frisco
Fort Worth
Houston
Laredo
Lubbock
Midland
McKinney
Odessa
Plano
Richardson
San Antonio
Waco