Defending against credit card lawsuits
Debtors Have Rights Too
I represent people who have been sued over credit card debt. These lawsuits may be by the original credit card or a third-party debt collector.
People sued over debt deserve to be protected by the law just as much as the creditors suing them for unpaid bills. Unfortunately, I often see people fail to respond to lawsuits or not understand how the court process works.
If you have been sued by a credit card or a third-party debt collector, learn more about why it is important to speak with an experienced credit card lawsuit attorney. Read on to learn more about why I started this blog.
This Blog Hopes To Demystify The Legal Process
We lawyers go to school for 3 years to learn how the legal system works. After that, we have to take a difficult test to be admitted into the practice of law. Even then, most new lawyers have to take time to learn the procedural rules of litigation.
All this is to say that you are not alone in being confused by the rules of a lawsuit. It is no wonder that non-lawyers, what we attorneys call pro-se litigants, often have lots of trouble protecting their rights in the courts of law.
The hope is that the information provided on this blog will help demystify the legal process in credit lawsuits filed in Georgia courts. This blog will cover the procedural rules on what to file and when, as well as the substantive rules of law on what each side needs to prove to make their case.
Shedding light on laws protecting debtors
This blog will also discuss some of the laws that have been passed that protect debtors. Creditors have armies of attorneys and paralegals, call centers who call debtors to get them to pay, and mailing industries to send out demand letters. Nevertheless, debtors do have rights.
The Fair Debt Collection Practices Act (FDCPA) seeks to prevent abusive debt collection practices. The Fair Credit Reporting Act (FCRA) tries to protect debtors from false credit reports from creditors. The Truth In Lending Act (TILA) sets out minimum disclosure requirements that lenders must meet.
The Federal Trade Commission (FTC) punishes debt collectors that abuse the system. The new consumer agency created by the Dodd-Frank Act will oversee debt collectors in the future as well.
These laws and regulatory agencies will be explored in discussed alongside the nuts and bolts of credit lawsuits in Georgia.
Information for Consumers, But Not Legal Advice
Finally, and most importantly, the information provided in this blog is just that—information. It is not legal advice.
Legal advice can (and should be) only given by a licensed attorney from your jurisdiction after you have discussed your issues with that attorney.
None of the information on this website forms an attorney/client relationship between the authors and you. None of this information means that the author of a post is your attorney.
None of the authors at this blog will represent you without a signed, written retainer agreement between you and the author.
In the end, however, the authors hope that the legal information provided helps you better understand the law and the legal process.
Consult An Attorney If You Have Specific Questions
As always, if you have legal questions, consult an attorney about your specific case.