If you received a letter in the mail notifying you that you are being sued by a credit card company in Dallas, do not panic. A well qualified defense attorney in Dallas can represent you and help you stand up for your rights.

Everything You Need to Know about Dallas Credit Card Lawsuits

We defend debt buyer and original creditor lawsuits. In debt buyer lawsuits, a company has purchased the debt from another organization and is attempting to hold you legally accountable for the debt. In the case of original creditors, you may owe the organization who is suing you money directly.

Unfortunately, people are getting sued all the time by credit card and collections companies. What happened? Our economy took a tumble several years ago, and now it is difficult for people to find jobs. People will happily accept jobs paying just a small portion of what they used to make. Many others cannot find jobs at all. In either case, the net result is people do not have the money they once used to have, and now they are trapped with the same living expenses. This is a difficult position to be in.

In addition, credit card companies are also abusing the fine print. Even though you probably never saw it, you could be legally responsible for following every one of the rules presented in the fine print. Credit card companies will argue that they do have the power to suddenly reduce your credit limit. So, if you had a high outstanding balance, they simply reduce the limit, and all of a sudden you are stuck with a disgustingly high interest rate, and maybe some penalties too.

Because you cannot pay these expenses, you may be facing a credit card lawsuit in Dallas. This is a tough place to be – we understand. Most people simply ignore the potential judgment against them and skip the court date. But, keep in mind that you have legal rights too, and it is possible to negotiate a fairer payment method, or possibly you might not be found legally responsible for any payments at all. Our attorneys are here to help you.

Other local collection lawyers are here to represent the credit card companies. They typically are paid a flat fee to manage trials on behalf of the creditor. It is an easy payday for them because most people don not show up for their date, while others show up but do not know the process and are easy prey for their creditors.

How can a Dallas Credit Card Lawsuit Defense Attorney Help?

Remember, the minute you are sued, your creditor becomes a formal player in the lawsuit. In the past, they held all the power and you had to show them why the debt they claimed you owed was not valid. But, now that they are in the legal system, the burden is on them to prove that you owe the debt. And, once you hire an attorney, they are unable to harass you with threatening letters or phone calls.

A Dallas consumer attorney knows all the court processes and procedures, and how to effectively defend you against the attacks of your creditors. To the typical person, defending against a credit card lawsuit seems overwhelming. The “system” seems a though it is a formless mass that cannot be fought or understood. But, that is only the way it appears if you do not understand it. Our attorneys do understand the system, and we can help you pursue a favorable legal outcome.

If you find yourself on the wrong end of such a lawsuit, remember, we are here to help. You can contact us, the Law Office of Tom M. Thomas II, for a free consultation. Or, if you would like to learn more about how we can help you, you can view the results we have achieved for some of our satisfied clients.

Some Recent Dallas County Lawsuit Results:

Situation: Our client hired us to defend a credit card debt lawsuit.
Plaintiff: American Express Centurion Bank
Court: Dallas County Court at Law No. 4, TX
Cause No: CC-10-08374-D
Result: The case was dismissed by the credit card company. Our client never had to go to court.

Situation: Our client hired us to defend a credit card debt lawsuit.
Plaintiff: FIA Card Services, NA
Court: Dallas County Court at Law No. 1, TX
Cause No: CC-11-04531-A
Result: The case was dismissed by the credit card company. Our client never had to go to court.

Situation: Our client hired us to defend a lawsuit filed by a junk debt purchaser.
Plaintiff: Riverwalk Holdings, LTD
Court: Dallas County Court at Law No. 1, TX
Cause No: CC-11-02854-A
Result: The case was dismissed by the debt purchaser. Our client never had to go to court.

Situation: Our client hired us to defend a lawsuit filed by a junk debt purchaser.
Plaintiff: LVNV Funding, LLC
Court: Dallas County Court at Law No. 4, TX
Cause No: CC-11-03642-D
Result: The case was dismissed by the debt purchaser. Our client never had to go to court.

Situation: Our client hired us to defend a lawsuit filed by a junk debt purchaser.
Plaintiff: Midland Funding, LLC
Court: Dallas County Justice Court Prec. 2-1, TX
Cause No: JC11-00709D
Result: The case was dismissed by the debt purchaser. Our client never had to go to court.