Debt Lawsuit Defense Lawyer in Fayetteville

Sued by a Creditor? Call (910) 248-4276

When a debtor falls behind on their payments, a creditor may sometimes file a lawsuit against them in an effort to collect their owed debts. This type of aggressive action is often a last-ditch effort from credit card companies, banks, or secondary creditors and can be a frightening experience for a consumer. If you have been sued by a creditor over your outstanding debt and you do not wish to file for bankruptcy, a skilled Fayetteville credit card defense attorney from Plyler Law Firm, P.A. can defend your rights in court and often fight for or negotiate a better outcome on your behalf.

With more than 22 years of dedicated legal experience, Attorney Matthew Plyler can provide the results-driven advocacy you need during this difficult time. We understand that your financial situation may not be your fault, and we are ready to fight tooth and nail in pursuit of the best possible results for your case.

Contact our office online today to discuss your situation.

An Overview of Debt Lawsuits

In many cases, debt lawsuits are filed in large quantities by secondary creditors who have purchased debt accounts from original creditors for pennies on the dollar in hopes of making a profit from a lawsuit settlement. Debt lawsuits can be filed for nearly any type of debt, including retail accounts, medical bills, auto repossessions, and student loans. Many creditors who file lawsuits against debtors are hoping that the debtor will not respond, thereby resulting in a summary judgment. A debt judgment can be devastating to a consumer, resulting in money judgments, responsibility for paying the credit card company’s legal fees, negative credit impact, and the forced sale of non-exempt possessions to repay the debt.

A number of different defenses for credit card lawsuits can be employed, including:

  • Insufficient documentation
  • The plaintiff waited too long to sue
  • The owed percentages and debts are inaccurate
  • The plaintiff cannot prove they are the rightful owners of debt

Oftentimes, creditors lack the proper documentation to prove their case and are unprepared for a proper response from a debtor. Properly responding to a court summons can sometimes be enough to prompt the creditor to drop their case, as the costs of litigation may exceed the potential profit they would make from a judgment. If you have been sued for outstanding credit card debt, Lawyer Matthew Plyler from our firm can examine your situation and craft a strategy that best fits your individual case.

Request an Initial Case Evaluation Today

At Plyler Law Firm, P.A., we are intimately familiar with your rights as a consumer and are willing to go toe-to-toe with any creditor on your behalf. Protecting your financial wellbeing is our top priority, and our Fayetteville debt collection defense lawyers are fully equipped to go the distance in your defense. Do not let an aggressive collection agency push you around – contact us today to retain the representation you deserve!

An initial consultation awaits. Request yours today!