Sunday, April 1, 2012

Facts About Credit Card Lawsuit Defense

By Allan Henry


Of all the different types of credit card lawsuit defense, all are not created equal. Some cost large amounts of money and some will almost surely fail. I want to share with you what I have seen in my years in the credit card debt collection industry, and give you some advice on how to mount the most effective credit card lawsuit defense.

To get started, there are three common types of credit card lawsuit defense. One of the less common defenses is to hire an attorney to represent you. In contrast the most common defense is to just to wing it through the litigation process. And the most unknown type of credit card lawsuit defense is that of becoming an expert on credit card debt litigation first and then representing yourself.

Choosing to hire an attorney as a credit card lawsuit defense is a sure way to get yourself a favorable judgment, if possible. The problem with hiring an attorney is the costs that are associated with it. I am not saying that the attorney's services are not worth the cost but most people who are in court for credit card debt do not have a lot of money. The cost of attorneys is surely the reason that it is the rarest form of all credit card lawsuit defenses.

Sadly, the most common form of credit card lawsuit defense, if you could even call it that, is representing yourself without any legal knowledge. This is an almost sure way to lose your case that the creditor has filed against you. This choice is most common because the consumers usually feel that it is their only option. They have no money and nowhere to turn so they end up losing the lawsuit miserably.

When you choose to represent yourself without any knowledge of the legal system, you become a sitting duck for the opposing attorney. I have watched countless times as the highly paid attorneys that represent creditors, try ten and even twenty cases in a row, all with costly judgments being made against the consumer. Do not let this happen to you!

The last type of credit card lawsuit defense is that of representing yourself with the proper knowledge. This is the type of credit card lawsuit defense that saves consumers thousands of dollars. Once you know how to defend yourself, you will be as powerful as the opposing attorney. In the courtroom, knowledge truly is power so don't go to court unprepared!




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