NEW SMYRNA BEACH CREDIT CARD DEBT DEFENSE ATTORNEY
Our New Smyrna Beach Credit Card Defense Lawyer Protects Consumers
At My Affordable Attorney, our New Smyrna Beach credit card defense lawyer is a compassionate, experienced advocate for consumers. Creditors and debt collectors are not on your side. If you are facing collection action over alleged credit card debt, we are here to help. Contact our New Smyrna Beach credit card defense attorney today for a completely confidential initial consultation.
Our Firm Provides Comprehensive Credit Card Debt Defense
Are you struggling with credit card debt? You are certainly not alone. The good news is that even if you are facing enforcement action from a debt collector or a lawsuit, you still have options available. Our New Smyrna Beach credit card defense lawyer handles the full range of services, including:
- Debt Validation/Verification: A credit card debt needs to be validated (legally verified) before a creditor or debt collector can take formal legal action. In other words, debt collectors must prove that a debt is valid, accurate, and legally enforceable. Among other things, this includes showing proper ownership of the account and correct balance calculations. Many claims fail due to missing documentation or improper assignment.
- Defense Against Lawsuits: Are you facing a credit card lawsuit? We can help. Our New Smyrna Beach credit card debt defense lawyer has the skills and experience to take on lawsuits. Our legal team will review your case and help you explore every defense that may be viable in your case. We fight tirelessly to protect the rights of consumers in Florida.
- Consumer Protection (Counterclaims): Debt collectors must follow federal and Florida consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Any violations may give rise to counterclaims for unlawful collection practices and/or harassment. You may actually be entitled to recovery damages.
- Negotiation (Settlement): An aggressive defense is not always the right defense in a credit card debt case. Settlement may provide a faster and more predictable resolution. Negotiations can reduce the total balance, eliminate interest, or establish manageable payment terms. Our New Smyrna Beach, FL credit card defense lawyer can help.
We are Leaders in Credit Card Defense in New Smyrna Beach, Florida
My Affordable Attorney is a boutique law firm that is committed to providing cost-effective legal representation to consumers. Facing credit card debt can be stressful. You do not have to take on the process alone. Your fight is priced right with our New Smyrna Beach credit card defense lawyer.
Contact Our New Smyrna Beach Credit Card Defense Lawyer Today
At My Affordable Attorney, our New Smyrna Beach credit card defense lawyer has the experience that you can count on. If you are facing collection action (or a lawsuit), we are here to help. Contact us today to set up your free, no-obligation consultation. Our firm handles credit card defense in New Smyrna Beach and throughout all of Volusia County.
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The attorneys at My Affordable Attorney helped me after a recent trip and fall accident. They were compassionate, professional and always made me feel like a priority. They explained everything clearly, fought hard for me, and kept their services affordable. Highly recommend “My Affordable Attorney”!
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WITH MY AFFORDABLE ATTORNEY TODAY
At My Affordable Attorney, we fight to deliver the absolute highest quality results at a reduced cost. That means more money back in your pocket. Do not go up against a big company alone. Contact us today for a free, fully confidential, and no-obligation initial consultation. With a law office in Daytona Beach, we serve clients throughout the surrounding region in Central Florida and North Florida.
CREDIT CARD DEFENSE
Frequently Asked Questions (FAQs)
Can a credit card company sue me for unpaid debt?
Yes. Credit card issuers and debt buyers may file a lawsuit to collect an alleged balance. Still, they will need to prove you owe the debt to hold you accountable.
What defenses are available in a credit card debt lawsuit?
You have the right to raise a defense against credit card debt. Common defenses include lack of standing, insufficient documentation, improper service, and expiration of the statute of limitations.
Will defending a credit card lawsuit hurt my credit?
Defending a lawsuit does not worsen your credit score. You have the right to defend yourself in court. Our New Smyrna Beach credit card defense lawyer can help.