Houston Credit Card Lawsuit Defense
At Daic Law, our team represents clients in Houston credit card lawsuit defense cases every day. Our passion is helping consumers protect their rights and find successful debt resolution. There are ways that you can fight a credit card lawsuit, and with our team on your side, you have the best chances of a successful outcome.
What to do if You Are Being Sued
If you are being sued by a credit card company, debt collector, or debt buyer, it is important to be calm and get help as soon as possible. While it is possible to respond to the lawsuit and negotiate with creditors on your own – it is highly recommended that you work with a debt defense lawyer.
Working with a lawyer is the best way to ensure that your legal rights are being upheld as you navigate the lawsuit. It also ensures that any documents you file with the court are done correctly.
If you fail to respond to the lawsuit or do so incorrectly, it could have negative consequences on your case and future financial stability. For example, if you fail to respond, the court can issue a default judgment in favor of the plaintiff (creditor). If the creditor gets a default judgment or ‘wins’ their case, you could face:
- Garnishment of your bank account
- Liens on your home or property
- Selling non-exempt assets
Being sued is scary, and it’s natural that you don’t know how to respond or what the legal process entails. That’s why Daic Law is here. When you are in doubt or don’t know what to do, our team can step in and help you fight back.
How We Help You Fight a Credit Card Lawsuit
At Daic Law, we want you to know that we are here for you. Throughout the legal process, our team will work with you to make sure your rights are protected. During the debt defense process, you can count on us to help with:
- Understanding your legal rights.
- Exploring possible defenses to use in your case.
- Helping you understand what the credit card company has to prove.
- Demanding evidence from the credit card company.
- Investigating whether the credit card company violated the law or your rights.
- Going to court on your behalf.
- Countersuing if the creditor has violated the FDCPA.
- Negotiating a favorable settlement.
You don’t have to settle for a judgment or payment arrangement you can’t afford. And bankruptcy isn’t always the best option or debt relief. Let us help you fight your debt collection lawsuit and resolve your debts with minimal impact to your financial stability and credit history.
Free Consultation with a Debt Defense Lawyer
If you are being sued and need help building your defense, contact Daic Law today. We offer a free consultation to every client, so you have no obligation to learn more and find out why we are the best choice for your debt defense needs.
Get started by calling us at 877-893-6040, or by emailing us at firstname.lastname@example.org.
How long do I have to respond to a credit card lawsuit?
If the lawsuit was filed in a Texas District Court, then you have until the Monday after the 20th day from when you were served. If the lawsuit was filed in the Justice of the Peace Court, you have 14 days to respond.
What is the Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act, or FDCPA, is a set of laws that protect consumers for unfair or abusive practices by debt collectors. The FDCPA prohibits debt collectors from doing the following:
- Calling before or after business hours
- Harassing you
- Calling you at work
- Calling friends or family members
- Threatening you
Can I go to jail if I am sued for credit card debt?
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.
Do I have to file for bankruptcy in order to resolve my debt?
Bankruptcy stops collection activities and allows you to reorganize, consolidate, or resolve debt. However, if you are being sued by a credit card company, there may be alternatives to bankruptcy. Many lawsuits can be resolved via debt defense.