Were you sued by a debt collector or credit card company? If so, remember that a credit card attorney in El Paso may help you receive a favorable legal outcome. Even though they are overwhelming at first, credit card lawsuits can successfully be defended.

Learn What You Need to Know about Credit Card Lawsuits

Today, the unfortunate reality is that more people than not have credit card debt. Some have more credit card debt than others, while others have so much that the monthly payments have become unaffordable. Terrified by what could happen, they instead choose to do nothing, hoping any problems related to credit card debt will go away. Sometimes, they do. But other times, creditors hunt down and try to force consumers to pay.

One of the stark realities of credit card debt revolves around the fact credit card companies purposely manipulate the rules in order to make more money off of unsuspecting consumers. For example, the “fine print” allows them to suddenly and unexpectedly decrease your credit limit. If you had a high balance on your card, and are suddenly over the balance you are allowed, you can be charged outrageous interest and fees. They will try to hold you responsible by suggesting that you agreed to what was in the fine print.

These actions and others are happening to consumers throughout the El Paso area and across the nation. The situation is very alarming and is quickly coming to a head.

On an individual basis, people stop making their payments because they are unaffordable. Eventually, after months of harassing and threatening letters and phone calls, their creditors sue them for the amounts they owe. Once the judgment is successful, creditors are allowed to pursue certain avenues in order to get the money you owe them. They can do this by placing a lien on certain real properties or other personal property, or by garnishing certain assets such as bank accounts.

How El Paso Credit Card Attorneys Help

If you have been served notice you will be sued in court by a creditor, you probably feel very alone and afraid. El Paso credit card attorneys are fully prepared to help you defend your rights in court. While many people mistakenly believe that creditors have all the power, the real fact is that they have to prove their case first. But, the only way you can fight their power is by taking action.

You could attempt to fight your creditors on your own, but they know the legal system inside and out, and all the processes and procedures involved. You may be as intelligent as your aggressors, but you may not have the time to prepare to defend yourself.

As a result, your best chance to defend yourself is to use the help of an El Paso credit card lawsuit defense attorney. Our firm can help you pursue the legal outcome you deserve.

One important point to know is that your creditors no longer hold all of the power. Before you faced a credit card lawsuit, they harassed you with letters and phone calls. You may have had to evade them all you could in order to escape their grasp.

But, now that they are in court, they are no longer an organization, but a Plaintiff. And now, the onus is on them to prove that you owe the amount of money they are claiming. And, they have certain rules they have to follow.

Most people are so frightened by the process that they ignore it. However, a skilled El Paso credit card attorney knows how to defend your rights and may be able to help you reduce or eliminate the amounts for which you are being sued. If you are facing one more lawsuits, contact the Law Office of Tom M. Thomas II, or examine our results to learn how we have successfully defended previous clients.

Some Recent El Paso County Lawsuit Results:

Situation: Our client hired us to handle a junk debt buyer lawsuit in El Paso.
Plaintiff: Equable Ascent Financial, LLC
Court: El Paso County Justice Court Prec. 6-1, TX
Cause No: J610-046
Result: The case was dismissed by the debt purchaser. Our client never had to make a court appearance.

Situation: Our client hired us to handle a junk debt buyer lawsuit in El Paso.
Plaintiff: Portfolio Recovery Associates
Court: El Paso County Justice Court Prec. 4, TX
Cause No: 411-494J
Result: The case was dismissed by the debt purchaser. Our client never had to make a court appearance.

Situation: Our client hired us to handle a junk debt buyer lawsuit in El Paso.
Plaintiff: Equable Ascent Financial, LLC
Court: El Paso County Justice Court Prec. 6-1, TX
Cause No: S611-106
Result: The case was dismissed by the debt purchaser. Our client never had to make a court appearance.

Situation: Our client hired us to handle a junk debt buyer lawsuit in El Paso.
Plaintiff: Midland Funding, LLC
Court: El Paso County Justice Court Prec. 2-1, TX
Cause No: J211-0126
Result: The case was dismissed by the debt purchaser. Our client never had to make a court appearance.