Being sued by a debt collector, credit card attorney, or credit card company in San Antonio is not as awful as it seems. It is possible to develop a successful defense against credit card lawsuits.

Credit Card Lawsuits in San Antonio

We defend people who face both original creditor lawsuits and debt buyer lawsuits, many of which are decided in San Antonio courts. What often starts out as a well-controlled credit card account can end up being a debt lawsuit in a matter of months. Today, it is not uncommon for people to have an abundance of credit card debt. This can end up being more than a consumer can afford to pay off.

Credit card companies use the “fine print” to inflate interest rates, tack on large fees, and increase their bottom line. Even people who always pay more than the minimum on time each month can suddenly face fees and increased interest rates because of the company’s decision to change the rules. This usually happens when the company decides to lower a consumer’s credit limit, which pushes consumers over the credit limit they thought they had. Once over the limit, there are monthly fees tacked on, as well as higher interest rates and late penalties.

Many consumers who were in good standing at one time now face large amounts of debt accumulating much faster than it can possibly be paid off. When faced with this scary financial situation, many people end up not paying the credit cards in order to make the other monthly payments. Some figure there is no point, because every time a payment is made, the owed balance on the next statement is more than it was the previous month, and the card has not even been used. Does this sound familiar to you?

After a few months of not paying the bills, the credit card company starts making harassing phone calls, and soon the consumer is faced with a credit card lawsuit. What a credit card lawsuit actually means is that the consumer is sued for the money presumably owed. This does not mean that the consumer actually spent the amount of money the company claims.

San Antonio Defense Attorney for Credit Card and Debt Collector Lawsuits

Instead of just trying to force you to pay an excessive amount of money that they claim you owe, a Plaintiff has to prove that you owe the money in a court of law. This has to be done according to San Antonio’s local laws, as well as the Texas Rules of Evidence, and the Texas Rules of Civil Procedure. This benefits you because with a proper defense, you can settle for a portion of what they claim you owe, or even have the lawsuit dismissed.

With the help of an attorney who can prepare an adequate defense for you, dealing with a debt collection lawsuit in San Antonio does not have to be a daunting task. You do not have to sit back and take the abuse debt collectors and credit card attorneys throw at you. A good defense is the key to winning this battle. If you are faced with a San Antonio credit card lawsuit, we would be happy to discuss your situation and help you.

We offer a free consultation, so please take a look at our track record and contact us at any time.

Some Recent San Antonio Lawsuit Results:

Situation: Our client hired us to handle a bank credit card lawsuit in San Antonio.
Plaintiff: Capital One Bank (USA), NA
Court: Bexar County Justice Court Prec. 3, TX
Cause No: 30C110112901
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 buyer lawsuit in San Antonio.
Plaintiff: Midland Funding, LLC
Court: Bexar County Justice Court Prec. 3, TX
Cause No: 30C110114301
Result: The case was dismissed by the debt buyer. Our client never had to make a court appearance.

Situation: Our client hired us to handle a junk debt buyer lawsuit in San Antonio.
Plaintiff: Midland Funding, LLC
Court: Bexar County Justice Court Prec. 1-1, TX
Cause No: 11C1100656
Result: The case was dismissed by the debt buyer. Our client never had to make a court appearance.

Situation: Our client hired us to handle a junk debt buyer lawsuit in San Antonio.
Plaintiff: Midland Funding, LLC
Court: Bexar County Justice Court Prec. 3-1, TX
Cause No: 30C110062401
Result: The case was dismissed by the debt buyer. Our client never had to make a court appearance.

Situation: Our client hired us to handle a junk debt buyer lawsuit in San Antonio.
Plaintiff: Midland Funding, LLC
Court: Bexar County Justice Court Prec. 3-1, TX
Cause No: 30C110061101
Result: The case was dismissed by the debt buyer. Our client never had to make a court appearance.