Get Out From Under Credit Card Debt
There is no magic solution to getting rid of credit card debt. However, if your monthly payments are too high to manage, or if you find yourself in a financial crisis and unable to make your monthly payments at all — there may be legal options available to protect yourself or lessen the burden of credit card debt.
"Most people wait to seek legal advice about credit card debt until they are already in the collections process. They may have already been sued or threatened with wage garnishment. Although I wish many of my clients would contact me sooner, it is important for people to know that it is possible to fight credit card collections and actions for wage garnishment." — Consumer protection attorney Alan C. Ewbank
Defending Clients Against Credit Card Debt Collectors
The Law Offices of Alan C. Ewbank, P.A., located in Riverview, Florida, is a consumer protection law office dedicated to helping consumers fight back against credit card collection agencies and enforce consumers' rights. Our clients come to us during a financial crisis — and we take seriously our responsibility to use every legal tool at our disposal to protect our clients' rights and set them on the path to a cleaner financial future. We work with clients throughout Hillsborough County, including residents of Tampa, Riverview and surrounding communities.
If you are facing a lawsuit from a credit card collection company, you should know:
- They cannot garnish your wages without first winning a lawsuit against you.
- Although you should respond to the lawsuit with help from a lawyer, you personally may not have to appear in court.
- In Florida, a credit card collection agency cannot take your house. Florida law protects your primary residence against liens against your homestead.
- There may be defenses against a legal action filed against you by a credit card collections agency.
Fight Back: Even better than just defending yourself against credit card collections, you may be able to fight back. If the collections agency has violated federal or Florida state consumer protection laws — such as by making unreasonably harassing phone calls — you may be able to file your own legal action against the collections agency. In consumer protection cases such as these, you may not have to pay up-front attorneys fees — because a successful case will include a demand that the collection agency pay your fees for bringing the lawsuit.
The Worst Action to Take Is No Action At All
Facing a credit card collections agency and taking control of your credit card debt may be difficult — but facing the problem head-on is better than ignoring the phone calls and hoping your financial circumstances will improve.
Find out what your options are and learn how to protect yourself.
At The Law Offices of Alan C. Ewbank, we offer free, no-obligation consultations to consumers with questions about their legal options relating to credit card debt or other financial difficulties.
To schedule a confidential appointment, call toll-free 866-662-6608 or use our online contact form.
