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The idea of “Debt Elimination” has gained widespread popularity lately with promises
of the total disappearance of credit card debt. Obviously, this
sounds too good to be true…you send some letters out to creditors
and they just go away?
Well, it’s not going to happen (nice try though).
The credit card companies may stop collection
actions temporarily after receiving a “cease communication”
letter from a consumer, but at some point they
will
sue. No
Debt Elimination company will be able to
represent you in court when that happens, they throw you
out there
to make ridiculous arguments about money
not really existing on your own. Eventually creditors will
sue
and get judgments,
which is much worse than dealing with the
problem straightforwardly.
The good news…there
are actions a consumer can take to strongly improve
their position if litigation
does
occur. The McFarlin & Geurts,
PLC will take action on your behalf and represent
you in any subsequent
California credit card lawsuit. This area
of law has become somewhat specialized and we have
the
experience
to give you the best chance of winning
against the credit
card companies. It is not appropriate to
discuss specific strategies publicly, but if you
would like a free Debt Elimination consultation
with an attorney please
call the office. If you’ve already been
sued, we would also be happy to discuss defending you
in any California
lawsuit involving
creditors…especially credit card companies.
Keep in mind, litigation is messy and
expensive. Bankruptcy is often a much cleaner and
less expensive option, but
a Debt Elimination plan is now available
through the law office for Consumers in California.
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