Texas Debt Defense Lawyers Create Sounds Strategies
Skillful attorneys battle against lawsuits from collectors and debt buyers
Getting served with a debt collection lawsuit can be frightening and intimidating. People usually fall behind on payments because of something out of their control, not because they’re willfully hoarding money away from their creditors. Faced with legal papers and no way to pay back all of the amount being demanded, some people can’t see a way to defend themselves, but that’s where Tom Thomas Legal, P.C. can turn things around. Our Texas debt defense lawyers have more than 30 years of combined experience and we know how to beat credit card companies, debt buyers and collection agencies at their own game. We won’t you let you be bullied and often can either work out an appropriate settlement or find flaws in a plaintiff’s case that lead to a favorable resolution.
What to do if you’ve been served with a debt lawsuit
Focusing exclusively on debt defense matters, our firm offers knowledgeable insight and practical guidance to individual and business clients. Each case is unique and we give one-on-one attention to everyone we represent. However there are some basic guidelines that almost always apply:
- Don’t ignore the lawsuit — Failing to reply to the complaint in a debt collection lawsuit likely will result in a default judgment against you. If that happens, you won’t have the opportunity to present your defense, no matter how valid it might be. Though credit card debt is not secured like a home mortgage or car loan, a credit card lawsuit is like any other civil litigation. If a judgment is entered against you, the plaintiff could garnish your wages or seize your property, so it is critical that you respond to the complaint.
- Hire a qualified debt defense lawyer — If you hire an inexperienced attorney, you might be hurting your ability to obtain the disposition you seek. We know the errors that are frequently made in these cases and the calculations plaintiffs make when deciding whether to proceed or to dismiss the case with prejudice. Keep in mind that the fee you ultimately pay your attorney is an investment in the outcome of your case, so be sure to make a wise investment.
- Learn about the potential defenses — Whether your case stems from a credit card balance, student loan debt, medical bills or something else, you deserve a full explanation of the potential defenses available to you. Many debts are transferred one or more times before they go to court, so the claim against you might be filed by a debt buyer. Frequently, key documents are missing or inaccurate, which could potentially trigger a case dismissal. In credit card actions, the lack of a valid promissory note or proper communication could defeat the plaintiff’s case. We know what to look for and how to fight on behalf of defendants.
Once you contact us, we’ll get right to work for you, handling settlement discussions, legal filings and, if necessary, court appearances. Though we cannot promise you a specific outcome, we can promise you that we will do everything in our power to deliver a favorable result.
Contact an accomplished Texas debt defense lawyer to set up a free consultation
Tom Thomas Legal, P.C. defends Texas residents who have been targeted by creditors and collection agencies. Starting with a free consultation, we can review your situation and outline your legal options. Our firm serves clients across the state from offices in Dallas, Houston, Austin, San Antonio, El Paso and Fort Worth. Please call 855-898-3328 or contact us online for an appointment.