New York City Credit Card Lawsuit Lawyer
About Credit Card Lawsuits
At times, New York City lower courts have been dubbed "the credit card courts" because of the high volume of credit-card lawsuits brought by banks and debt buyers. Many cases are defensible. Some may be entirely inaccurate and therefore frivolous. Debt-buyer lawsuits tend to be concentrated in New York's lowest income communities and communities of color, with devastating results. Armed with judgments, judgment creditors freeze bank accounts, garnish their wages, or seek other assets.
Judgments arising from collection lawsuits can block New Yorkers' access to housing, credit, or employment.
The Langel Firm has developed a passion niche in these cases. Specific challenges to evidence and exposing collector violations are fundamental to our success. We are constantly studying the evolving consumer laws in this specific area of practice.
So contact us for a free consultation with a New York debt defense attorney to examine your rights.
Debt Collections Defense Attorney in New York City
When you are facing a credit-card lawsuit, you need to rigorously examine all the facts of the case and question every part of it. For example, who sued you? Is the plaintiff a bank or debt buyer? Is the company licensed to collect debts? Is it registered to do business in New York? Have you been properly served? What are the legal theories of the case (eg. breach of contract, account stated, goods sold and delivered)? Have any facts been misrepresented? Do all communications have required disclosures? Where is the credit application with all subsequent amendments and disclosures? Which state law governs? Where is the creditor principally located? Were you sued in the proper county? Where, exactly, is all interest and fees coming from? Is the creditor claiming attorney's fees? If so, based on what authority?
These are just some of the questions considered when examining your defenses to a credit -card lawsuit.
Contact a New York debt defense attorney today for a free consultation.