Bankruptcy Attorney in Media Provides Effective Legal Defense in Credit Card Lawsuits
Providing innovative solutions for resolving credit card debt
The David R. Black’s Bankruptcy Legal Group, a division of Black, Stranick & Cella, P.C., provides personalized legal counsel to clients being sued for nonpayment of credit card debts and those facing unfair debt collection. Using our extensive knowledge of state and federal consumer protection laws and more than 30 years of experience in debt collection matters, our Media credit card defense attorney helps you resolve your credit card collection issues.
How can a lawyer defend you from credit card debt?
We are familiar with the debt collection options allowed in Pennsylvania. Trust our knowledge of these common defenses:
Statute of limitations — Credit card companies have four years from the last activity on the card to collect the balance before resorting to the courts. If the creditor sells the debt, the deadline does not change. It is sometimes possible to have collection agencies thrown out of court for filing too late.
Obtaining a court judgment — When a creditor sues and obtains a judgment validating the amount the debtor owes, the creditor has ten years to collect on the debt. After the judgment, creditors may add nine percent interest each year the judgment goes unpaid.
Enforcement — After winning a judgment for the debt, the creditor has options for collecting the judgment. While some states let creditors garnish wages directly from an employer, Pennsylvania only allows wage garnishment for:
Pennsylvania does allow a creditor holding a judgment to garnish a debtor’s bank account.
Protecting your rights in credit card disputes
Many people are unaware of their rights in debt collection matters. State and federal laws require creditors to follow certain rules and procedures, but debtors do not have as many safeguards to protect your rights and responsibilities. Our Media credit card defense attorneys:
Educate you on your rights and responsibilities. Our attorneys know what credit card companies and other lenders can and cannot do to collect a debt.
Explain how federal and Pennsylvania laws apply to your situation. If creditors violate the Fair Debt Collection Practices Act (FDCPA) or other consumer protection regulations, we provide the aggressive legal protection you need.
Represent you in negotiations and disputes. Our bankruptcy attorneys protect your rights and make credit card companies play fair.
What can an attorney do about an error on my credit report?
A bad credit score can devastate your ability to secure a job, apartment, home, or car. Credit report errors can include everything from simple mistakes to blatant identity theft.
Almost 80 percent of all credit reports contain an error. Correcting errors requires diligence and follow-up to ensure the items have been resolved. We strongly encourage clients to stay on top of their reports to avoid potentially damaging errors and suggest taking these steps:
Obtain a copy of your credit report — By law, you are entitled to one free report every 12 months from the three consumer reporting agencies — Equifax, TransUnion and Experian. If you spread this out evenly, you can obtain a free copy of your credit report every four months to efficiently monitor your credit at no out of pocket cost.
Write to the reporting agency — If you find errors, dispute the inaccuracies in writing to the consumer reporting agency, providing copies of documents to support your claim. Ask them to remove the item or provide a correction.
Send a letter to the creditor — Send a detailed letter of explanation to the creditor from which the error originated.
Debt collectors count on you not having a lawyer to defend you
Debt collectors don’t expect you to fight back. Trust us to fight for you. Contact David R. Black’s Bankruptcy Legal Group, a division of Black, Stranick & Cella, P.C., at 610-365-1052 or online to schedule a free initial consultation and case review in our Media office Monday through Friday from 8:30 a.m. to 5:00 p.m. We serve clients throughout Delaware and Chester Counties.