South Florida Debt Settlement/Credit Card Litigation Lawyer Miami
Looking For A South Florida Credit Card Litigation/Debt Settlement Lawyer? The Santos Law Offices, P.A. Will Develop A Legal Strategy For You. Let’s Get Started with Your Free Consultation, So You Can Find Out How We Can Help
Credit Card Litigation in South Florida
Between the high interest rates and late fees, credit card debt can quickly go from hard to manage to completely overwhelming. No matter how thin you stretch your budget, you can’t seem to make the monthly payments, and now, the creditor has served you with a lawsuit. As much as you might want to ignore the lawsuit, that would be a huge mistake. If you don’t respond, the creditor can gain a default judgment and garnish up to 25 percent of your wages to pay the debt.
While default judgments are easy to get, it’s much harder for collection agencies to win when you stand up to them in court. They often don’t have the proof needed to secure a judgment, so you can finally move past this stressful point in your life. Contact us today for a free consultation. Then, your lawyer can formulate a defense to help you fight back in court.
Credit Card Lawsuit Defenses
Your South Florida credit card litigation lawyer will develop a legal strategy for you. Common defenses include:
- Improper service of the complaint or summons
- Statute of limitations
- Violation of the Fair Debt Collection Practices Act
- Lack of Standing
- Fraudulent charges
- Mistaken identity
- Debt discharged in bankruptcy
- Debt paid
Fair Debt Collection Practices Act And Credit Card Litigation
If the collector has violated the FDCPA, you can then file a lawsuit to collect up to $1,000 in damages, along with attorney’s fees. Also, your attorney can use the FDCPA violation as a bargaining tool to negotiate a settlement. If you think that a debt collector has violated the act, collect any evidence and speak to a lawyer.
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Why Choose Santos Law for Credit Card Litigation/Debt Settlement?
Lack Of Standing
Statute Of Limitations For Credit Card Debt
The statute of limitations for credit card debt is five years. The clock starts ticking with the first missed payment but restarts with each new payment. For example, assume that you haven’t paid your credit card bill for four years, and then you sent a payment. Instead of having one year left on the statute of limitations, it will reset to five years. If the statute of limitations has passed, consult with a South Florida credit card litigation lawyer before making payments.
Filing For Bankruptcy After A Lawsuit Is Filed
If you owe the debt and are concerned about a judgment against you, you can file for bankruptcy after getting served. While many people think that bankruptcy is no longer an option, you can file to stop all collection activity and discharge the debt. Your South Florida credit card litigation lawyer can discuss Chapter 7 and Chapter 13 bankruptcy to see if you want to move forward.
Keep in mind that you might have to liquidate assets if you file for Chapter 7 bankruptcy. On the other hand, you can keep your assets if you file for Chapter 13 but might have to make affordable monthly payments to pay the debt. Your attorney will help you evaluate both options so you can move forward with the one that makes the most sense for you.
Client Reviews– The Santos Law Offices, P.A.
Actual Words Clients Have Used to Describe Us & Their Experience:
“highly recommend the Santos Law Office”, “I had a great experience”, “will get the job done”, “everything went smoothly“, “the attention is always personal”, “very professional team I highly recommend”, “the staff was great and they walk you through every step of the way”, “Working with Ms. Santos and her crew throughout my process was delightful” “made everything easy and simple”, “They work very hard to help you and make sure all goes well”, “answered any questions without hesitation”, “the right place for legal services”, “highly recommended”, “very professional staff”, “very kind and helpful”, “always answers the phone and helps you with any questions”, “expertise makes them stand out from the rest”, “whole team from paralegal to the attorneys are a pleasure to work with”, “the attention is always personal”, “very assertive and proficient”, “work very hard to help you, and make sure all goes well”, “Excellent Service”, “Great lawyer, highly recommended”, “They made everything easy and simple, also they answered any questions without hesitation!”
If these things are what you are looking for in a law firm then contact us to see how we can help you and your family.
What To Do Now:
We welcome your questions and want to understand your situation to help you move forward and achieve the peace of mind that comes with having everything done properly and efficiently. Call our law office (305) 417-4111 with questions, a description of your situation to see if we can assist or to schedule a consultation. Or you may simply fill out the form above on this page. Your form will be directly emailed to our office and you can expect a reply within 1 business day and often within hours the same day. All information you share is confidential.
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