How To Protect Your Rights In A Credit Card Debt Lawsuit

The sad truth is, many people are unaware of their rights when it comes to debt collection, and fall victim to aggressive credit card debt collection practices. That's why it's so important to know what to do if a collection agency files a suit against you for credit card debt.

The first and most important thing to do is contact a consumer rights attorney. A good attorney can tell you about your debtor's rights, and can sometimes even negotiate to get the suit dropped. When you meet with your attorney, you should have several things handy.

First, you need to bring them a copy of your credit agreement, along with any other contractual material you signed with that company. Secondly, you should bring copies of your credit card bills so the attorney can understand your debt situation clearly. Finally, you should bring a record of any interaction that you have had with that credit card company — for instance, a list of the times they have called you, any times they have contacted your boss or neighbors, and any threats they may have made.

It is important to bring all of these documents because the better informed your lawyer is, the better chance you have of winning the case. As a debtor, you still have rights under the Fair Debt Collection Practices Act, and if your attorney can prove that the credit card company has violated these rights, they may have to pay you a fine.

Best of all, a consumer rights attorney can help protect you from predatory debt collection tactics while he or she works on getting your suit settled. That means no more phone calls at work or in the middle of the night, no more belittling or threatening language, and no more telling your employer, friends, and neighbors about your debt.

So if you are under threat of a credit card collection lawsuit, you need to do a few things immediately. First, start a record of any and all interaction you have with your creditors if you haven't already. Then gather your credit agreement and contracts, and find a consumer rights attorney. Just because you're in debt doesn't mean that you don't have your rights — and a consumer attorney can make sure that the credit card companies play by the rules until the case is settled.

By: Abigail Moore

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If you're being sued by a collections agency and you live in the state of Minnesota The Todd Murray Law Firm can help you answer the summons and provide you with proper legal representation. You can find us on the web at toddmurraylaw.com