Are you behind on your credit card payments? Have you been served with a lawsuit? Although any notice of a pending lawsuit against you can be overwhelming and confusing, it is crucial that you respond. A lack of action on your part can allow the debt collection agency to gain a default judgment against you and it is likely to be followed by a garnishment of your wages (up to 25 %.) At Alonso, Perez & Santos, LLP, we know how crippling credit card debt can become as late fees, high interest rates, and bank charges drive up account balances, making monthly payments difficult to manage.
The good news is that often debt collection agencies do not have enough proof to win in court, if you fight back. We can challenge the lawsuit on your behalf; making any agencies involved prove they have the right to collect the debt from you and making them prove you actually owe the amount in question.
In Florida, debt collectors must pursue any credit card debt within five years. If your debt is older than this, the collectors may be acting outside of the statutes of limitation. In addition, the Fair Debt Collection Practices Act (FDCPA) provides extensive protection to you as a consumer. If collectors have violated any parameters set forth in the FDCPA, you may have cause for a countersuit against them.
You will not be alone with our experience on your side. At Alonso, Perez & Santos, LLP, we have litigated many cases like yours and we understand how stressful dealing with debts can be and that’s why we are committed to helping our clients reach the right resolutions for them and their families.
If you have been served with a lawsuit you have little time to dispute the collection lawsuit. You should call us at Alonso, Perez & Santos, LLP today. Please visit our Frequently Asked Questions for additional information or simply come and meet us today.