Hands cutting a credit card with scissors

Facing any legal matter can be frightening and stressful. Many legal actions come out of nowhere and many individuals and businesses are caught by surprise when they learn they have been sued for unpaid credit card debt. If you are facing a credit card debt lawsuit, or there are current collection activities seeking payment of the debt, it is crucial that you get in touch with an attorney as soon as possible. The Debt Settlement Attorneys of Ariano & Associates, PLLC truly understand that time is of the essence when it comes to credit card debt lawsuits, and they act quickly to defend their clients, finding a better way to eliminate the debt without causing you too much financial harm.

What Happens in a Credit Card Debt Lawsuit?

An individual or business facing a credit card debt lawsuit will receive notice that a complaint has been filed either by the creditor itself, or by a collection agency. If you face such a lawsuit, you will be required to respond, either admitting to the allegations, or fighting them for a number of reasons including, but not necessarily limited to, the following:

  • The allegations are simply untrue (i.e., you have been making payments in accordance with the creditor agreement);
  • The statute of limitations period has run, meaning that the creditor has waited too long to sue you, and the debt is too old;
  • The complaint was not validly served upon you; and/or
  • Failure by the creditor or collection agency to provide required documentation (this is not to say the allegations are untrue, but that the creditor has failed to prove such allegations with supporting documentation).

No two credit card debt lawsuits will ever be exactly the same. As such, the process for defending a credit card debt lawsuit may be different for you than it is for another client. At Ariano & Associates, PLLC, our Debt Settlement Attorneys are prepared to represent you in court to fight the allegations against you.

Credit Card Debt Settlement – Staying Outside the Courtroom

If you have already been sued by a creditor or collection agency, it is in your best interest to get the matter resolved by negotiated settlement if the allegations are undisputed, and you agree you owe the debt. On the other hand, if you have not been sued by your creditor, but you are facing collection activities (or believe such activities or a lawsuit is imminent), it is imperative that you work alongside a Debt Settlement Attorney to have your credit card debt negotiated down to an amount you can pay.

Regardless of how minor or complicated your situation may be, the Debt Settlement Attorneys of Ariano & Associates, PLLC have successfully helped numerous clients fight credit card debt lawsuits and settle credit card debt in a reasonable manner outside the courtroom, and they can do the same for you.

Contact the National Debt Settlement Attorneys of Ariano & Associates, PLLC Today

Credit card debt can haunt you for decades if you do not take control of it now. The longer you wait, the more you will be paying in interest. Your hard-earned money should go in your pocket, and not to your creditors. You do have options available to you, and you do not need to fight your creditors alone. By working with an attorney, you are taking the proper steps to ensure your rights and interests are protected. The Debt Settlement Attorneys of Ariano & Associates, PLLC have the resources, qualifications, and dedication to help their clients in any way possible. Each client’s financial situation is unique and deserves personalized attention that truly fits his or her needs and expectations. Ariano & Associates, PLLC has received a number of positive online reviews, assisting clients from all across the United States. If you would like to discuss options for eliminating your credit card debt or if you are facing a credit card lawsuit, contact our national debt settlement attorneys today by calling (888) 919-5569 to schedule your free consultation.