Credit Card Lawsuit Defense in Fort Lauderdale

Fort Lauderdale Credit Card Lawsuit Defense Attorney

Have you been sued by a credit card attorney, credit card company or debt collector? Broward County credit card lawsuits can be defended or completely eliminated in a Fort Lauderdale Bankruptcy.

Collecting old credit card debt is big business in Fort Lauderdale. When you are served with a credit card lawsuit, it’s never a good idea to ignore the lawsuit. The Broward Clerk of Court gets hundreds of credit card lawsuits filed daily by the same debt collection firms. The debt collection law firms play a numbers game and they know that a vast majority of those that they sue for credit card debt in Fort Lauderdale will never respond to the lawsuit and they will get a default judgment. Some of the most common Ft Lauderdale credit card lawsuits are filed by the original credit card company but the majority of credit card lawsuits are filed by debt buyers.

Debt buyers buy old debt from the original credit card companies for pennies on the dollar. They buy millions of dollars of debt this way and file thousands of credit card lawsuits. It’s a numbers game for them.

Credit Card Lawsuits in Broward County Use Mediation To Intimidate You Into a Payment Plan

You’re not alone if you’ve been sued over an old credit card debt in Ft Lauderdale. However, once the debt collector’s attorney files a credit card lawsuit, they are now subject to Florida’s Rules of Civil Procedure and are required to prove their case in a legal setting. They love to file cases in County Court. Why? Because in Broward's County Court, everyone is automatically steered to a mediation on the day of court. The credit card attorneys know that you will probably show up without an attorney and they will be able to intimidate you into a payment plan. Unfortunately, they are right most of the time.

If You’ve Been Sued By a Credit Card Debt Collector in Ft Lauderdale - Don’t Ignore It.

But, if you don’t fall for these intimidation techniques that are unwittingly helped along by the court system who is trying to keep from being inundated with these debt collection lawsuits, your odds of winning your Ft Lauderdale credit card lawsuit are really pretty good. The fact is that any credit card debt collector can claim that you owe them money. But, once they file a credit card lawsuit, the burden shifts to them to prove it and their proof must meet the legal standards imposed by Florida law. For many Fort Lauderdale credit card lawsuits, that’s a standard they cannot meet. They are counting on your agreeing to pay them during the mediation.

Broward County Credit Card Lawsuit Defense Attorney

Once a credit card lawsuit is filed in Fort Lauderdale by a debt collector’s attorney, all that means is that they now have to prove to a judge that you owe the money. And that requires more than just saying you do. Even if you owe the money, they still have to prove you do according to the law and Florida law requires them to keep very good records. If your debt has been sold to a debt buyer, your odds just got better because they buy debt in bulk but that doesn’t mean that they have the underlying records of your account that are necessary to prove that you owe the money. Once a credit card lawsuit is filed, the burden of proof in on them to prove that you owe the money – not the other way around. Sometimes the best credit card lawsuit defense is making them prove you owe it!

Choose Between a Card Lawsuit Defense or Elimination Through a Ft Lauderdale Bankruptcy

Dealing with a Ft Lauderdale credit card lawsuit can be done by either defending it in state court or eliminating it through a Pembroke Pines bankruptcy case. If you have other credit cards that you stopped paying on, you will probably have more credit card lawsuits coming your way. It seems that when one card lawsuit gets filed, they all file! When you have many unpaid credit cards pending, sometimes it’s just easier and more economical to wipe them all out with a Fort Lauderdale bankruptcy rather than defending each one individually.

Don’t be Bullied, Harassed or Intimidated by a Ft. Lauderdale Credit Card Lawsuit

You’ve already been taken advantage of by the credit card companies. Don’t let their lawsuit attorney take advantage of you either. You have very powerful options in bankruptcy law and you can also defend the lawsuit in state court if you choose.

Helping You Find A Solution if You Are Sued By a Debt Collector in Broward County

Fighting the evil credit empire is what we do and we love it! The Bankruptcy Law Firm of Orfelia Mayor can help you achieve the best possible outcome for your situation. But that starts with one of our free consultations at our Cooper City office.

Contact us today for a no-charge, no-obligation bankruptcy consultation throughout Broward and Palm Beach County. We happily service clients in: Broward County including Oakland Park, Cooper City, Coral Springs, Miramar, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hollywood, Lauderdale Lakes, Lauderhill, Lighthouse Point, Margate, Weston, North Lauderdale, Coconut Creek, Parkland, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac, West Park, Weston. In Palm Beach, we serve clients in Boca Raton, Lake Worth, West Palm Beach, Lantana, Boynton Beach, and all cities in Palm Beach County.

Client Reviews
"Orfelia Mayor is that rare combination of integrity and compassion in an attorney. I think she does as much counseling as she gives legal advice. I turned to her during a very difficult time in my life. I could never have imagined that I would ever have to file for bankruptcy. She listened to all of my concerns and fears and put me at ease during our consultations. She is very knowledgable and extremely professional..." Olga
"Ms. Mayor clarified our concerns and we had no qualms about bringing our case to her. She is knowledgeable, professional, diligent and caring. She treats her clients with special care. I cannot say enough about this firm. She is our secret weapon...always there to battle on our behalf." Dorcas
“...She explained everything to me with a lot of patience and listened to what I was worried about. Everything went exactly as she said it would and I am not worry free, debt free and already have credit cards again. I got rid of about $50,000 in debt for a SMALL fraction of that amount, THANK YOU!” Magaly
“Attorney Orfelia Maria Mayor is one of the most excellent Bankruptcy attorney's here is Florida and works above and beyond these criteria’s. Throughout the process, she explained all the necessary steps and documents required and answer all “crucial personal ” questions advising on how to proceed to the best of my interest...“ Melinda
“I went to the office of Orfelia, looking for some advise, in return she took my case right in, and help me right away. i would definitely recommend her service to anyone who's facing debts and wants to file bankruptcy.“ Tatiana Hernandez