Defenses Against Credit Card Company Lawsuits in New York City

Defenses Against Credit Card Company Lawsuits in New York City

If you are being sued by your credit card company in New York City you are probably wondering what to do next.  The first thing to ask yourself is why are you being sued?  If you are not paying your credit card bill because of a service issue, identity fraud, statute of limitations etc. then you may have a good defense against the lawsuit.  However, if you are being sued because you can simply no longer afford to pay the bill the courts will always side with the credit card company.  No matter what your financial hardship is, the straight inability to paying a credit card bill is not a valid defense to a credit card lawsuit. Nevertheless, there is still a very powerful way out of the lawsuit.  If you are unable to make your ends meet and are being sued by your credit card company you should speak to a qualified bankruptcy attorney right away.  Bankruptcy can eliminate any toxic credit card debts and will bring an immediate end to your credit card lawsuit as well.

Another important reason to speak to a bankruptcy attorney if you are currently being sued by a credit card company is the FDCPA violations that could have very likely occurred during the attempts to collect from you.  The Fair Debt Collections Practices Act clearly outlines what debt collectors and credit card companies can and cannot do when attempting to collect on a debt.  Many collection letters are in clear violation of the FDCPA and can be worth $1,000 per violation for our clients.  We encourage anyone thinking of bankruptcy, or anyone being sued by a credit card company to save these letters as they are often times the best way to pay for a bankruptcy case.

Of course bankruptcy is not for everyone in debt or everyone being sued by their credit card company.  But if you are being sued because you simply can’t make ends meet and are left wondering what to do next you should really speak to a bankruptcy attorney about your options.  There are some consequences to bankruptcy but the pros always outweigh the cons for our clients in New York City.  Our clients always keep their homes, cars and valuable possessions when filing, and arranging a free consultation with an attorney doesn’t mean you will be forced to file bankruptcy.  The decision to move forward with bankruptcy will be yours, but do yourself a favor and get the qualified advice you need if you are having trouble paying your bills.  Most people are happy once they actually hear the facts for themselves.  If you need an affordable bankruptcy attorney in New York City please contact the Law Offices of William Waldner online or at 212.244.2882 to arrange a free bankruptcy consultation today.  Our law firm only practices bankruptcy law and maintains a 99% Chapter 7 Bankruptcy discharge record in New York City as of 8/31/16.


**** DISCLAIMER:  This article is intended for educational purposes only.  By reading no attorney-client relationship has been created.  Prior results do not guarantee a similar result for future clients.