Defeat Debt Collectors Credit Card Lawsuit Attorney Secrets
Attorney Secrets to Defeating Debt Collectors
Attorneys have several strategies to help you combat credit card lawsuits effectively:
- Debt Validation: Requesting the debt collector to provide detailed documentation proving you owe the debt can often reveal gaps in their case.
- Statute of Limitations: Each state has a statute of limitations for debt collection. If the time limit has expired, the lawsuit may be dismissed3.
- Negotiation: Attorneys can negotiate settlements that reduce the total debt or establish manageable payment plans.
- Bankruptcy Consideration: In some cases, filing for bankruptcy might be the best option to discharge debts and stop the lawsuit.