California Credit Card Debt Attorney
Credit Cards Can be Settled!
Credit Card Lawsuits Can Be Fought & Won!
FRANKLY, CREDIT CARD DEBT MAY BE THE BEST DEBT TO HAVE WHEN YOU ARE UNABLE TO PAY ALL YOUR BILLS
In terms of your legal obligations, Credit Card debt is the easiest of all debt to resolve. That is because these creditors have the least rights against you. In other types of debt such as taxes, student loans and secured debts like homes and autos, the creditors have more rights. For example, tax and student loan creditors generally cannot be disposed of through bankruptcy. Home and auto loan creditors can get the property back. With credit cards, other than taking you to court (which they really don’t like to do) all the credit card creditor can do is ask you to pay them.
DOES NOT MEAN THEY ARE PUSH OVERS!
Just because credit card creditors are among the least powerful creditors does not mean they are the easiest to deal with. Because they have fewer rights, credit card companies must rely on more aggressive ways of demanding payment. As a result, they are many times the ones you hear from the most. They are also the ones charging higher interest rates and pile on tons of extra fees. They are in effect the “squeaky wheel hoping to get the most grease”.
YOU MUST PRIORITIZE DEBTS WHEN YOU SETTLE THEM
In terms of priority, virtually every other type of debt should be managed first. For example, if you must choose between paying taxes or credit card, pay the taxes as the government tax collector can be much more ruthless and expensive. Paying your credit card before your car payment may lead to the loss of the car. Also, individuals have more protection from abusive collection of consumer credit card debt.
In terms of what credit cards to resolve first, an experienced attorney is essential in order to become debt free at the lowest possible cost. For example, it may actually be best to accept American Express’ 50% settlement offer before accepting a Debt Buyers 20% offer. This is because it is much more likely AmEx will sue you and win than the Debt Buyer. The Debt Buyer will still be there in the future while AmEx offer may go up!
ALWAYS REMEMBER, IT’S JUST A “CLAIM!”
Always remember that until they go to court (and win); the credit card creditor merely has a “claim” against you. As far as the law is concerned, it is merely their word against yours as to what is owed. Unless they go to court to prove it (and win), they cannot garnish your wages, put liens on your house or bank accounts or do anything to you. They can only call/mail you and report you to the credit bureaus. If you have a lawyer, they can’t even contact you.
DON’T BUY INTO THE FEAR
Always remember you have rights and that you have what they want: money. They know that bankruptcy will wipe out their claim. They know that collection lawsuits are not profitable for them. Do not pay any amounts to anyone who won’t or can’t prove what is owed. Nor should you pay anyone to “get them off your back”. Fitzgerald & Campbell, APLC can get them off your back and help you decide who, what, when, or even IF, to pay.
Featured Case Results
- June 25, 2021: $5,028 Wells Fargo Bank, N.A. was settled $2,011. Saving our client 60%!
- June 18, 2021: $9,708 Citibank, N.A. was settled $3,398. Saving our client 65%!
- May 28, 2021: $14,090.00 American Express was settled $5,637.00. Saving our client 59%!
DISCLAIMER: Every case is different. Results depend on the unique law and facts of each case. Fitzgerald & Campbell, APLC makes no guarantees or warranties about the outcome of any particular matter or case. The Fitzgerald & Campbell, APLC website, or the information contained within the website, should be construed as ATTORNEY ADVERTISING
WHAT ARE THE FEES?
Our fees are among the lowest anywhere and we accept payments. You can select either a flat fixed fee (starting as low as 10% of the debt amount depending on the type, amount, & stage of the debt) or a performance-based fee (starting as low as 15% of the savings achieved).
You can opt to save your own money for settlement, or you can save your money in our Attorney/client trust account. Fitzgerald & Campbell, APLC makes it extremely easy for consumers and small business to get the best possible debt relief.