1.  Experienced credit card attorneys give you a better chance to win.

Experienced credit card attorneys know the law, the rules of evidence, and the procedural rules of the court. We also know what questions to make, how to make a case, and how to defend a case. The simple fact is that an experienced credit card attorney will give you the best chance to win, and will give you a better chance to get a good result in settlement (if that is the route you choose to take).

By hiring an attorney you can prevent a default judgment, possibly win the whole case, and even if you settle, you can often do so with terms that work for you.

2.  Attorneys take the burden off of you.

When you hire me or another attorney then we take over the case. It also means the debt collector is not supposed to call you again. They have to call your attorney. For someone who has been harassed by a debt collector and is stressed over a lawsuit, this can be great piece of mind.

Does this mean you don’t have to worry about the outcome of the case? No. But it does mean you don’t have to worry about all the little details anymore—that’s your attorney’s job.

3.  Attorneys can save you time and money.

It can be cheaper to pay an attorney than to do it yourself. Our fees may seem expensive (although I try to keep mine low), but you often save money in the long run.

For example, a client being sued by a third party debt collector over $20,000 may balk at my typical fee of $1,500 pre-trial and $1,500 if we go to trial. However, if I win and the client no longer owes the debt, I’ve saved them$18,500.

Even a client who wants to settle and is being sued by an original creditor can benefit. If the client is being sued in Magistrate Court for $8,000 but I am able to negotiate the amount down to $4,000, and my fee was $500, then I have saved the client $3,500.

This is not a promise that I can save you this kind of money—each case is different and unique. However, it does illustrate how you can save money by hiring an experienced credit card attorney.

But it’s more than just the money, it’s the time and stress involved with managing a lawsuit. If you hire an experienced credit card lawsuit attorney, then you don’t need to worry about learning the law for your case. You no longer have to worry about deadlines. You don’t need to deal with the paralegals who work for the law firm suing you.

To give you an idea of the time involved in these lawsuits, I tend to put in around 7 to 15 hours for each case. Even with my experience, there are cases where I have put in 30 or more hours of my time. These are the cases I have handled since I’ve gained experience in these lawsuits.

I put in over 80 hours of work in my first credit card lawsuit. This is with the experience I already had in legal research and managing a case. While it was a complicated case, this gives you an idea of the time it might take someone who is learning about credit card lawsuits for the first time.

What could you do with 80 or more hours of your time? How much work could you do? How much time with family and friends could you have?

So there is the time you save by hiring an experienced credit card lawsuit attorney, plus there are the potential savings an experienced credit card lawsuit attorney may earn while working your case.


I understand many people simply cannot afford an attorney—even at my affordable flat fees. After all, if you had a lot of money you probably would not be sued over a credit card debt.

However, it is important to understand that an attorney can give you the best chance for a good outcome, can take the stress off of managing a court case, and can save you money in the long run.

Most importantly, if you have been sued, give me or another attorney a call. You won’t know whether you can afford an attorney until you ask, and we love to hear from potential clients. Plus, if you call me, I tend to try my best to give you information that will help you protect yourself and your rights. After all, that’s why I created this website.