The phone calls, letters, texts, emails – if you owe money on your credit cards, you probably have a sinking feeling in the pit of your stomach when you get contacted by a debt collector. Don’t ignore debt collections, though. You may face a lawsuit, which can be much costlier than the debt itself and have a serious negative impact on your credit score.
An experienced Shelby Township, MI, credit card debt lawyer can help mitigate your debt and stop the incessant calls and emails, but you have to act fast. The quicker you contact Gudeman & Associates, P.C., for a consultation about resolving your outstanding credit card debt, often the more options are available to you.
How Can a Shelby Township Credit Card Debt Lawyer Help Me?
Once you get a lawyer, you show debt collectors that you mean business. We fight to achieve the best possible outcome for you, and depending on your situation, we may be able to achieve one of these options:
- The plaintiff (the debt collector) dismisses the lawsuit because it’s too expensive for them to collect the debt. Many debt collectors hope for a default judgment against you, betting that you won’t hire a lawyer to fight it.
- The lawsuit may be dismissed because of errors or defects in the case. If the debt has been transferred or sold multiple times, it can be hard to prove that you actually owe the money, as the chain of title may come into question.
Or, we may be able to negotiate a settlement out of court for less than the initial amount. We may also be able to negotiate a repayment plan so that you can pay a little each month until the debt is settled.
Helping You Resolve Credit Card Debt
An experienced credit card debt lawyer does the heavy lifting in debt collection situations. We can file the appropriate court paperwork for you and even appear in court on your behalf. We can also respond to discovery and draft our own, respond to motions from the other side, and take the lead in mediation or other negotiations.
You don’t have to face this alone. Our legal team is with you at every step, supporting you and answering all your questions. Each case is different, so we tailor our advice to specifically fit your situation. And if the debt collector offers you a settlement, we can review it to ensure it doesn’t violate your rights and that the terms are favorable for you.
Do You Need Help Resolving Credit Card Debt?
Do you owe money on your credit cards and are unsure how you’re going to pay it back? Have you been served with a notice of a debt collection lawsuit, or are you being harassed by debt collectors? Don’t face these bullies alone—contact Gudeman & Associates, P.C. today for the help of a determined Shelby Township credit card debt lawyer.
