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Credit Card Lawsuit Defense Help

By Al Henre


When in a credit card lawsuit there are several types of ways to defend yourself. Each way has discrete pros and cons. Here in this I am going to go over a few different ways that I have witnessed consumers use lawsuit defenses and give many of my own feelings on which ways are for the most part effective.

The first type of defense is to employ an attorney that specializes in credit card lawsuit defense. These lawyers and their firms will typically present you with a helpful professional conclusion in court but will charge quite a bit of cash. Apparently the attorney fees will diverge from attorney to attorney. I seldom see this form of defense because if a consumer has a sufficient amount of funds to pay for an attorney to represent them, they also would have the funds to pay their credit card debt and evade the lawsuit all in all.

The second type of defense I have seen oftentimes is virtually not worth calling a defense. Consumers time and time again will choose to represent themselves in court against the creditor or bank's attorney without any prior knowledge pertaining to credit card lawsuits.

Representing yourself without any prior legal expertise is an almost certain way to lose your case. I have personally watched thousands of cases in which the consumer tries to "wing it" through the different litigation stages. The opposing attorney can figure out that this is what is going on within the first few minutes and will then proceed to threaten and mix up the consumer until the consumer's defense strategies are in shambles. Needless to say, this is one of the worst options to use.

The third way to defeat a credit card lawsuit is a way that I have developed over years of observing and participating in comparable legal proceedings. My system was founded under the idea that consumers and attorneys only have one key difference, knowledge of the legal system.

99% of consumers end up losing their cases because they make mistakes during the legal process, which then weakens their defenses. Opposing attorneys realize this and watch for these opportunities. They will often steer consumers into these mistakes on purpose.

After researching cases and studying a big amount of case law, I easily realized that the same advanced legal system that often confuses and traps consumers could be used not in favor of the banks and creditors. The trick is knowing the right things to request and when to ask them.

One dilemma still remains; consumers do not have multiple odds to try different tactics to see which defense works best. As soon as the consumer makes a wrong move, the case will be over and a ruling will be made instantly against the consumer.




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