Why you're being sued for credit card debt
Credit card and personal loan lawsuits are typically filed when a creditor claims you've failed to repay a debt. However, these cases often rely on:
- Incomplete or inaccurate records
- Poor documentation chain of custody
- Lawsuits filed by third-party debt buyers who may not even legally own the debt
We defend clients against:
Original Creditors
- · Capital One
- · Discover
- · American Express
Debt Buyers
- · Midland Funding
- · Portfolio Recovery
- · LVNV Funding
Collection Firms
- · High-volume Texas filers
- · Nationwide collectors
- · In-house creditor counsel
Our proven debt defense strategies
- Challenging improper service or lack of supporting documentation
- Demanding proof of ownership of the debt
- Disputing inflated balances, interest, and fees
- Asserting any applicable consumer law violations
- Negotiating settlements when appropriate
- Filing motions to dismiss when creditors can't meet legal requirements
Many of our clients have had their cases dismissed, settled for a small percentage of the balance, or resolved without paying anything at all.
Time-Sensitive
You have 14 days. Don't wait.
In Texas, you typically have just 14 days to respond to a lawsuit after being served. If you miss this deadline, the creditor can win by default. Our attorneys handle the entire process — from filing your Answer to appearing in court on your behalf.
What a Texas debt attorney can do for you
- File your legal Answer to prevent default judgment
- Challenge invalid claims, inflated balances, or wrong creditor names
- Respond to discovery, motions, and court deadlines
- Negotiate with the creditor for dismissal or reduced settlement
- Protect your income from wage garnishment and frozen accounts
- Raise counterclaims for FDCPA violations (separate engagement)
Already have a default judgment? You may still have options.
If a judgment has been entered against you, we can explore:
- Motion to Set Aside Default Judgment (if less than 30 days old)
- Appeals or Bills of Review (depending on timeline and circumstances)
- Negotiated settlements to reduce the judgment and stop collection
- Bankruptcy consultations if your debt load is unmanageable
Flat-fee pricing for debt lawsuit defense
| Amount of Lawsuit | Our Flat Legal Fee |
|---|---|
| Less than $1,000 | $400 |
| $1,001 – $2,500 | $500 |
| $2,501 – $5,000 | $750 |
| $5,001 – $7,500 | $1,000 |
| $7,501 – $10,000 | $1,250 |
| $10,001 – $12,500 | $1,500 |
| $12,501 – $15,000 | $1,750 |
| $15,001 – $20,000 | $2,000 |
| Over $20,000 | Call for Pricing |
Flexible payment plans available. We work with your budget.