When Should You Hire An Attorney For Credit Card Debt?

Are you being sued by a credit card company for the debt you owe them? Would it be in your best interest to hire a credit card debt attorney? That’s a decision you’ll have to make after carefully examining your options. Truth be told, however, an Austin, TX debt resolution lawyer – with a free case evaluation – can help you figure this out. You may even end up discussing with them the topic of Chapter 7 vs. Chapter 13 bankruptcy.

You’re better assured a “winning” outcome if, for your debt collection suit, you are legally represented by a qualified professional. Compared to those who don’t obtain legal representation, those who do usually end up agreeing on a mutually beneficial settlement or winning their cases outright far more often.

Your attorney for credit card debt can do the following for you:

• Make sure that you know your responsibilities and rights
• They can negotiate with the creditors to settle the debt
• They can present any defenses you may have in court

Is it time to hire a lawyer for credit card debt? Might you benefit from a debt protection program? The following scenarios point to it being time to bring a credit card attorney on board.

You are Absolutely Unsure As to What to Do

Rather than hurt your situation, if you are absolutely unsure as to what to do about credit card debt, stop losing sleep and talk to an educated, experienced credit card debt attorney. Far better to speak with a professional and get their advice than to act hastily or not act at all, thereby worsening your situation.

If you’re not sure what to do or say, don’t say anything, and don’t sign anything. Just contact an attorney to handle the situation.

With the Negotiation of a Settlement, You Could Use Some Assistance

Maybe you can’t pay the entire credit card off right now but you’re not interested in filing for bankruptcy. With the assistance of a credit card debt attorney, you may be able to have an agreeable arrangement negotiated with creditors to settle debts. Speaking to intimidating creditors on your own isn’t always advisable. It can, in fact, be overwhelming. Let a seasoned professional handle the creditor for you.

The Consequences of the Lawsuit Aren’t Understood (By You)

If you lose the lawsuit, what will happen? What kind of consequences are you facing? If you can’t answer those questions, you’re not understanding the lawsuit and its possible result. You need legal representation for debt lawsuit defense, and you need it soon.

A judgment will very likely be made against you if you do not respond in a timely manner to the suit. Exceeding the amount you already owe, you may be saddled with court costs, interest, and more. The money may be taken right from your bank funds, your wages may be garnished, and your personal property may be seized.

Before any of that can happen, hire an attorney.

You Have A Debt Lawsuit Defense

There may well be a basis for a legal defense against the lawsuit being brought against you. But, to raise it in court, you’ll need an attorney for assistance. An attorney could, as an example, help you with the following defenses:

• The “fact” that you owe the suing party a debt can’t actually be proven.
• The person who supposedly owes the debt isn’t actually you.
• The statute of limitations is no longer in effect.

Before you Google “credit card debt lawyers near me”, check this out…

Having Trouble with Credit Card Debt? Talk to The Debt Defenders by Ciment Law Firm, PLLC

If you’re in trouble with your credit cards, and you have no idea how you’re going to pay them off, it’s time to speak to a professional. Whether through bankruptcy or some other method, the professionals at The Debt Defenders by Ciment Law Firm, PLLC can be of assistance.

Contact us today at 866-493-1308 for an appointment. You can also fill out our convenient online form to begin communication.