Tuesday, March 9, 2010

Fight Back Against Credit Card Companies!!

Lots of consumers, just like you, believe that you have no recourse or actions against debt collectors, credit card companies or mortgage companies. But there is lots of help for you! The laws that work in your favor are the Fair Debt Collection Practices Act, Automobile Fraud laws, Truth in Lending laws, Fair Credit Reporting laws and the all-powerful: filing for Chapter 7 or Chapter 13 bankruptcy.
Just recently, we helped a consumer get her case dismissed in a suit that was filed against her for a credit card debt of $3,500.00. She was being sued by Asset Acceptance and we raised many defenses based on inaccurate pleadings and missing documents. Most debt collectors file lawsuits against consumers in bulk and these debt collectors hope that they can get a default judgment against you (by you ignoring the court notices and not showing up to court) or work out a payment plan with you in court. But before the case even gets to court, we have been successful in getting many suits thrown out because of sloppy filings.
The worst thing you can do is ignore letters from creditors. Don't do that. Read them and contact them or better yet, contact a consumer lawyer like us to help you out. You have rights you know. So don't be a victim - be proactive and let us help you know your rights.

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