Credit cards are dangerous investments. The high interest rates, fine print and penalties are only the beginning of the problem for credit card holders. It is common for credit card companies and their collection agents to violate federal collections regulations and harass debtors.
As a credit card holder, you have rights. At Mastriani Law Firm, our attorneys sue credit card companies and their agents. We defend clients in McKinney and throughout TX who are being sued by credit card companies. We will fight aggressively to protect your rights.
Dealing with credit card debt is normal. Many Americans carry debt of this kind. However, being sued by a credit card company is the exception.
If you are facing a credit card lawsuit, our lawyers can help you. Although many people feel like they have no hope in trying to defend themselves in court, there are numerous benefits of fighting credit card lawsuits.
Our attorneys handle credit card defense matters for a flat fee. We combine experience and knowledge with an aggressive approach. We are not afraid to take on major credit card companies, and we have a track record of successful results in cases of this kind.
Find the answers to your questions about credit card defense and talk with a McKinney lawyer from our firm to learn more about how we can help you.
For many people dealing with harassment from credit card companies, they feel like there's nothing they can do. The credit card company and their agents have more resources as well as knowledge and experience in collections law matters.
Do not be fooled. There are numerous benefits to bringing a lawsuit against a creditor who's been harassing you. The best reason: You have a good chance of winning and getting the credit card company off your back.
At the Mastriani Law Firm, we service individuals in McKinney, TX, and we serve clients from offices in various locations throughout the area. Our attorneys bring experience in credit card defense and an aggressive litigation approach too every case we handle.
Your Opponent: You are not usually litigating against seasoned litigators – usually the firms that bring these cases are debt collectors under the guise of law firms. These are firms that file approximately 2000 lawsuits a month. These are firms that are using large secretarial/paralegal staff and very few attorneys. Essentially, the few attorneys that are working at these firms have so many cases to deal with that they do not wish to deal with a real litigant opponent. Even if they did have the litigation experience, they do not have the time and/or the resources to deal with additional paper work.
Such firms work on the premise that over 95% of lawsuits will default and that they will get a judgment without any fight. So all the complaints are boilerplate form complaints and only names and figures have been changed. A lot of the time errors have been made in quickly putting together these complaints and you may have a chance to demurrer the complaint, which immediately starts the paper work process for the overworked plaintiff counsel. If the debt is small enough, they may dismiss at this early stage.
If and when the plaintiff has overcome your demurrer and/or you have answered, immediately propound discovery. The last thing they will want to deal with is discovery and the paper intensive work that is related to that. If it is a debt buyer plaintiff, you will want to request paper work showing how they have standing to bring the suit in the first place. You obviously must request any contract that you they have alleged exists and the lawsuit is based on.
More than likely the Plaintiff counsel will delay in responding and miss deadlines, and even if not, 9/10 times the responses are insufficient. It is crucial that you meet and confer and calendar the response date. More than likely they will miss the date and at this point you will have the opportunity to be the aggressor. Bring your motion to compel and seek sanctions. Far too many times these plaintiffs bring lawsuits and they are not prepared to engage in good faith discovery and that is where you can win your case. You will win your motion and the plaintiff will see that it is facing heavy sanctions. You will see a high success rate at this stage. A lot of cases are dismissed (don't forget you can seek costs if they drop the case) and/or the offers to settle are drastically lower than before. By this time you have bought yourself or your client close to 8 months to save money so that you can settle at this stage.
If you have not settled by now, you have to maintain the willingness to go to trial attitude because the likeliness is that the Plaintiff will not want to go to trial (and more importantly for them, they will not have the resources and the time to take you to trial). You will have bought yourself or your client close to 12 months of more by now. You will have a good chance of receiving pennies on the dollar offers to settle the case if it has not already been dismissed. If you do go to trial, do not let them testify by declaration; force their witnesses to fly in (causing more expense and hassle). Also be sharp with your rules of evidence as a lot of the time the witness that has been brought in by the Plaintiff will not have actual knowledge of the documents and will not be able to lay foundation in order to get them into evidence. It is possible to non-suit these cases if you are alert. For debt buyer plaintiffs, attack their standing to bring the suit in the first place. Furthermore, debt buyer plaintiffs very rarely will have the full account documents or the any alleged contract that you or client was alleged to have made with the initial creditor.
We offer free case evaluations, so you do not have to pay to determine whether we are the law firm for you. Our lawyers will look over your case and help you determine the best way to proceed. Call us at 713-965-7595 or contact us to schedule a free initial consultation.
We represent individuals, families, and business owners in McKinney and throughout Texas. Call us today at 713-965-7595 for a FREE consultation with McKinney attorney John Mastriani today.