Headquarters, 3302 Canal Street, Suite 26, Houston, Texas 77003
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El Paso Credit Card Lawsuit Defense

El Paso Credit Card Lawsuit Defense

If you are facing a credit card lawsuit, Daic Law can help!

Since you found your way to our website, chances are you are being sued by a credit card company or debt collection agency. While this situation is certainly nerve-wracking, it is important to stay calm and know that help is available. At Daic Law, we help clients build an El Paso credit card lawsuit defense that works.

El Paso Credit Card Lawsuit Defense

At Daic Law, we understand that most people have never dealt with the legal system before – especially in terms of debt defense. There are a lot of unknowns, and it is perfectly natural to have questions and concerns. The good news is that you are not alone.

Learn more about how you can protect your rights and resolve your credit card lawsuit in the best way possible by calling us at 877-893-6040.

What to Do if You Are Sued

If you receive notice that you are being sued, it is natural to experience some anxiety and frustration. We’ve all been there – a medical emergency, job change, or lingering impacts from COVID-19 – in an instant, your financial situation can change.

It is important to stay calm and carefully consider your options if you are subject to a debt collection lawsuit. Some important things to consider:

Don’t Ignore the Problem

Ignoring a lawsuit does not make it go away. In fact, it can complicate your situation. If you fail to respond to the lawsuit, the plaintiff (the person/party suing you) may get a default judgment against you. A default judgment can result in:

  • Clouded title on your home
  • Garnishment of bank accounts
  • Seizure of certain property (non-exempt property)
  • Judgment reported on your credit report

Respond in a Timely Manner

In Texas, depending on where the lawsuit was filed (Justice of the Peace Court, District Court, or County Court), you have a certain amount of time to file a response. If the lawsuit was filed in the Justice of the Peace Court, you have 14 days to file an Answer. If it was filed in District or County Court, you have until the first Monday following 20 days.

Get Help With Your Response

There are a few ways that you can respond to a credit card lawsuit. You can deny the allegations, or include affirmative defenses. Most often, individuals being sued will file affirmative defenses, meaning they don’t deny the claims, but they have a reason for not paying the debt. Or, the plaintiff is barred from seeking recovery.

In your response, you should be careful not to make any admissions. Sometimes debt collectors will ask you for information that could work against you in your debt defense case. Never respond or answer questions without discussing it with your debt defense lawyer first.

Start Your El Paso Credit Card Lawsuit Defense

Being sued by a creditor is a stressful experience. However, when you work with the right lawyer, your El Paso credit card lawsuit defense can be successful. In fact, you may be able to have your case dismissed or settled for less than what the creditor says you owe.

Get the debt defense help you need by contacting Daic Law. When you work with Daic Law, you are getting the benefits of lawyers with skill and experience in debt defense. Our process is straightforward and honest, and our focus is on protecting your rights.

For a free consultation, call us at 877-893-6040, or email us at info@daiclaw.com. We are happy to review your case and discuss your options for successful resolution.

Frequently Asked Questions about Credit Card Lawsuits

Should I negotiate a credit card lawsuit on my own?

Even if you are familiar with credit card companies and their practices, it is still a good idea to have a debt defense lawyer on your side when negotiating a lawsuit. Working with a lawyer ensures your rights are protected and that your negotiations are accurate and effective.

What can the credit card company do?

The credit card company may be able to do certain things if they win the lawsuit, such as:

  • Garnish your bank account
  • Cloud your home’s title
  • Place a derogatory mark on your credit report

Can I go to jail for not paying my credit cards?

No. You cannot go to jail if you fail to pay your credit card bills. Also, being sued does not mean you will go to jail. If a creditor threatens you or threatens jail time, they are violating your legal rights. If you have been threatened, call Daic Law right away to get help. You may be able to sue them for violating your rights and the law.

Can I settle my case, or do I have to go to trial?

It is not uncommon for credit card lawsuits to be settled without going to trial. At Daic Law, we always strive to resolve lawsuits in the best, most efficient way possible. We are often successful at negotiating lawsuit resolution without taking the matter to trial. Of course, every case is different – but we will advise you of the possible outcomes throughout the process.


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