Credit Card Lawsuits, Fort Worth, TX

Many Americans find themselves in serious financial debt due to the use or overuse of credit cards. It is easy to become overtaken by credit card debt. Many people start out staying in good standing with their credit cards, only to find that the card company changes the rules mid-game, which pushes consumers over the credit limit. The credit card companies are able to drop the credit limits of consumers for no real reason, because it is in the “fine print” of the credit card agreement. The problem with this is that when the credit card company lowers the credit limit, many people end up being over their limit, and find themselves having to subsequently pay exorbitant fees for being over the limit. The fees, penalties, and suddenly jacked up interest rates push people over the edge and many people decide to put their credit cards on the back burner and stop paying the bills. The problem with this is that it can lead to a lawsuit from the credit card company. That is where we come into play. Our primary job is defending clients who find themselves facing original creditor or debt buyer lawsuits in Fort Worth.

It does not take long for a credit card account in good standing to turn into an original creditor or debt buyer lawsuit. Since it is commonplace for most American’s to have credit cards, many people face this dilemma at some point in their lives. If this scenario sounds familiar to you, there is no need to panic. Help may be closer than you think.

Considering that every case is a little bit different, you may be able to make an agreement with the credit card company. However, in many cases, you may find yourself facing a lawsuit from the credit card company. A credit card lawsuit in Fort Worth means that the company is suing you for money they feel you owe them. Court rooms in Fort Worth are being inundated with debt related lawsuits. Each docket in the Fort Worth civil courthouse has dozens of credit card lawsuits awaiting trial.

Many people waiting for their day in court may see Fort Worth credit card attorneys, known as “appearance counsel,” in the hallways of the courthouse. Their job is to validate defaulted judgments against consumers who are not represented or have neglected to respond to the lawsuit they face. These attorneys may be tending to other legal business between the credit card proceedings. Many of these attorneys are paid a flat fee by the credit card companies to handle the hearings and trials associated with collecting the outstanding credit card debt in these types of lawsuits.

It is also important to know that after the creditor files the lawsuit, things change in that they now have to prove their case. This works in your favor, because the constant harassment should stop. When the company becomes a lawsuit player, they are legally bound to prove the claim “by a preponderance of the evidence.” This has to be done within the parameters set by the Texas rules, and any local laws that apply in the Fort Worth court’s jurisdiction. This benefits the person faced with the lawsuit, because the burden of proof sits on the shoulders of the debt collector, and this proof must meet the standards set forth by the court.

If you need help defending yourself from a credit card lawsuit, please check out the results we have achieved for our clients, or feel free to contact us for a free consultation.

Some Recent Tarrant County Lawsuit Results:

Situation: Our client hired us to handle a junk debt purchaser lawsuit in Ft. Worth.
Plaintiff: LVNV Funding, LLC
Court: Tarrant County Court at Law No. 3, TX
Cause No: 2011-004361-3
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 purchaser lawsuit in Ft. Worth.
Plaintiff: Midland Funding, LLC
Court: Tarrant County Court at Law No. 2, TX
Cause No: 2010-083625-2
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 purchaser lawsuit in Ft. Worth.
Plaintiff: Midland Funding, LLC Assignee of Citibank
Court: Tarrant County Court at Law No. 1, TX
Cause No: 2010-083753-1
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 bank credit card lawsuit in Ft. Worth.
Plaintiff: Discover Bank
Court: Tarrant County Court at Law No. 1, TX
Cause No: 2010-083504-1
Result: The case was dismissed by the bank. Our client never had to make a court appearance.

Situation: Our client hired us to handle a junk debt purchaser lawsuit in Ft. Worth.
Plaintiff: Midland Funding, LLC Assignee of Citibank
Court: Tarrant County Court at Law No. 1, TX
Cause No: 2010-083753-1
Result: The case was dismissed by the debt purchaser. Our client never had to make a court appearance.