Debt Resolution and Defense

Consumer Debt Resolution

It's a scary thought - you've worked hard, tried your best to save money, made every effort to keep your credit clean - and for whatever reason it's just not happening and the collection calls keep piling up, day after day. And to top it off, you've now been sued by a credit card company. What do you do? Try to settle with them yourself? Represent yourself in court?

We are here to help.

If you've been the subject of a lawsuit over a contract or a credit card, you're not without recourse. What we've found is that the majority of credit card lawsuits are not brought by the original creditor; rather, they're brought by a third-party "debt buyer" (i.e., collection agency) who has probably bought your already-charged-off debt from the original creditor for pennies and is now attempting to collect from you. What we've also found is that the majority of these lawsuits are brought in such a way that they violate the Pennsylvania Rules of Civil Procedure. What this means to you is that if your case is handled the right way by your attorneys, the entire case could be dismissed and you would be free from having to pay this debt. That's right - the debt, at that point, is being collected illegally, and you could be completely exonerated from liability.

Our firm has represented debtors in numerous cases throughout Pennsylvania with exactly the issues you will face if a credit card company is suing you. We can show you the options, both pre-suit and after a lawsuit is commenced, and we will be with you every step of the way.

Our consumer debt resolution services include:

Negotiation with creditors prior to a lawsuit and getting those collection calls to stop!
Full and complete representation in lawsuits brought by creditors, including responsive pleadings, asserting affirmative defenses, motions, trial, and appellate representation.
Notification to Credit Reporting Agencies that the debt is no longer valid upon winning your case.
Counterclaims and/or separate lawsuits against collectors pursuant to Federal and Pennsylvania debt collection laws.
Full-service credit repair.
Referral, if absolutely necessary, for bankruptcy proceedings.*

REMEMBER: IF YOU HAVE ALREADY BEEN SUED BY A CREDITOR, THE CLOCK IS TICKING. UNDER PENNSYLVANIA LAW, YOU HAVE A VERY LIMITED TIME WITHIN WHICH TO RESPOND TO A LAWSUIT OR A JUDGMENT MAY BE ENTERED AGAINST YOU. DO NOT TRY TO RESPOND TO LAWSUITS WITHOUT CONSULTING AN ATTORNEY!

To tell us about the collection action against you or to request more information, click HERE.

* We are not a "debt relief agency," nor do we routinely refer our clients for bankruptcy or credit counseling.