Credit Card Defense In Boca Raton

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Credit Card Defense Is Your Best Offense From Creditors

Florida is notorious for aggressive credit card collections. When a credit card company and/or debt collector attempts to sue you, you will usually be served with summons. You should never ignore a debt collection lawsuit! If you cannot find a lawyer or cannot afford a lawyer, ignoring the summons is extremely hurtful to your case.  Every day hundreds of Floridians defend themselves in debt collection cases. But few do so successfully.

Large creditors usually sell your debt to a company that specializes in the buying and collection of old debts.  It is not uncommon to find your debt sold off to another company and they will then try to collect the debt from you.  This process is legal and has become common practice in most places, like Florida. Your debt can be bought or sold more than once.

The good news is that credit card defense cases are fairly simple and straight forward for an experienced lawyer. If you are in debt and facing a credit card defense scenario, you have an opportunity to fight the case and get a portion of the debt reduced or eliminated.

Whether you live in Boca Raton, Deerfield Beach, Delray Beach or anywhere else in Florida we can help!

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Do Not Be Harassed For Credit Card Debt

When the economy went downhill, the a large portion of Americans became unemployed overnight. Because of rampant firings, most families turned to credit cards to help during the tough economic times. Most families accrued large amounts of debt.

Most individuals had excellent credit ratings prior to the economic contraction. But now they do not have the economic means to pay back the credit card companies and get out of debt.

In turn, credit card companies and third party creditors start harassing people in credit card debt. Such tactics are:

  • Harassing phone calls at all hours of the day
  • Obnoxious and discourteous phone representatives
  • Threatening letters
  • A high volume of e-mails
  • Lawsuits or the threat of lawsuits
  • Illegal conduct
  • Debt settlement scams

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Here are some important credit card defense tips:

  • Never agree to the debt in writing
  • Never agree to the debt verbally
  • Debt collectors often record telephone conversations
  • You have rights
  • Debt collectors can be held liable for abusive behavior
  • Get everything in writing
  • Respond to every inquiry
  • If a creditor files a lawsuit against you – the creditor is the plaintiff
  • If a creditor files a lawsuit against you – you are the defendant
  • Do not feel helpless – you have options!
  • Call SHAMY, EL FADEL & MAHONE for a FREE consultation

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People Make Mistakes And So Do Creditors

Credit card debts can be settled for as little as $0.018 on the dollar. The burden of proof lies on the creditor and often the debt documentation is weak or nonexistent. In some cases, the longer you have been in collections, your debt has been sold multiple times and the original supporting documentation has often vanished.

  • You cannot damage your credit score by having an attorney show up in court, on your behalf, and dispute the claim
  • In is not unusual to have a credit card defense attorney show up  ask the plaintiff to prove what you owe. In many cases it makes lawsuit disappear because the plaintiff lacks the proper documentation to fight the case AND they know it takes time and money and it might not be worth it.
  • The plaintiff might have also violated certain consumer protection laws which might come to light during the lawsuit.

SHAMY, EL FADEL & MAHONE has the credit card defense experience you need. Call today for your free consultation.

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