Credit Card Representation

Our office is very familiar with the credit card lawsuits and tactics used by collection agencies and attorneys attempting to collect this debt.  The original debt may have been sold numerous times to secondary debt buyers for a fraction of the original debt.  If you believe that you do not owe the debt, NEVER agree to a settlement.  The plaintiff (the creditor or debt buyer) always has the burden of proof in a debt collection case and must present the evidence at trial in order to win.  This means the plaintiff must prove to the Court’s satisfaction that (a) the plaintiff has the right to sue you; (b) the debt is yours; and (c) you owe the exact amount of money that the plaintiff claims you owe. 

You have a right to try and negotiate a settlement, if you so choose, but we would not recommend doing so until you determine the plaintiff can prove the debt is yours.  We can put the plaintiff to its proof at a very reasonable cost to you.  There is a very good chance the plaintiff will be unable to meet its burden before the court, and a verdict in you favor may be rendered.  Do not hesitate to contact us to discuss the matter.