Credit Card Defense & Student Loans
If you are being sued or on a credit card or student loan, it is very important that you take immediate action and contact an attorney to see what options are available to you.
Many times, we were able to have the credit card or student loan lawsuit against a client dismissed for lack of evidence/documentation or lack of standing on behalf of the person who is suing them.
Other times we were able to save a client sizable sums of money by exerting leverage in the lawsuit that results in them being able to enter into a favorable settlement. The key to any credit card or student loan lawsuit is acting quickly because once a judgement is entered against you or once the case has progressed significantly it is much harder to come up with a favorable resolution for your circumstance. Our ability to defend you is likely more affordable then you think and we may be able to work with you on a payment plan in order to provide you with quality representation under a circumstance that you can afford. We have defended hundreds of credit card and student loan lawsuits for consumers like you and have gotten many of those cases completely dismissed sometimes in as little as one day. If you are being sued for a credit card debt or student loan please call our office and we will speak with you for free, evaluate your situation, and explain to you what your options are.
Even if you decide to go at it alone, whatever you do make sure that you appear for every court date that you get noticed of so that you do not simply get steamrolled by the litigation process. Many companies buy old debt for pennies on the dollar and then file hundreds of lawsuits seeking the full amount of the debt with the hopes that many of the people that are being sued simply fail to come to court. If that happens, typically you will lose your case by default for not appearing and will have a monetary judgment entered against you.
Don’t be a victim of the system.
Judgements + Garnishments
Stop the Bleeding
Even if you have judgements against you or if your wages are being garnished you still have the right and opportunity to file bankruptcy to stop the bleeding. Additionally, if you got behind on your mortgage payments but things have now improved and you just need time to catch up, bankruptcy may afford you a great guaranteed opportunity to achieve that goal.
Types of Bankruptcies
Chapter 7, Chapter 11 or Chapter 13?
As with anything serious, it’s important to understand the different types of bankruptcies and then apply your set of facts and circumstances to decide if bankruptcy is right for you and if so, what type of bankruptcy is right for you. It is possible to do your own bankruptcy however it is likely a very wise idea to consult with an attorney and likely have that attorney walk you through the bankruptcy process.
In bankruptcy you may be able to wipe out all of your debt while keeping certain assets or you may be able to enter into an organized, predictable and fair partial repayment plan that would allow you to get out from underneath your debt and potentially get caught up on your mortgage. The main types of bankruptcies available to the average person are Chapter 7 bankruptcies and Chapter 13 bankruptcies. There is another type of bankruptcy that is available to certain types of individuals called a Chapter 11 bankruptcy. Knowing when to file bankruptcy is also very important as the timing of your bankruptcy could allow you to keep additional assets or maximize the benefits that you might receive from a bankruptcy.
How We Can Help.
Our Firm will help you understand the different types of bankruptcies, help you make the decision as to whether or not bankruptcy is right for you, and we’ll handle your bankruptcy for you should you decide bankruptcy is your best option. If the idea of being completely debt-free on a clear path to get out of debt sounds good to you please feel free to contact us for a free consultation concerning your financial circumstances.