Wednesday, June 20, 2012

Credit Card Lawsuit

By Allan Henry


When in a credit card lawsuit there are different ways to defend yourself. Each way has separate pros and cons. Here in this I am going to go over a few different ways that I have witnessed consumers use lawsuit defenses and give many of my own opinions on which ways are for the most part valuable.

The first type of defense is to employ an attorney that specializes in credit card lawsuit defense. These lawyers will typically give you with a helpful end result in court but will charge quite a bit of money. Clearly the attorney fees will vary from attorney to attorney. I hardly ever see this kind of defense because if a consumer has enough funds to pay for an attorney to represent them, they also would have the funds to pay their credit card debt and avoid the lawsuit altogether.

The second type of defense I have seen oftentimes is more or less not worth calling a defense. Consumers time and time again will choose to represent themselves in court against the creditor or bank's attorney without any prior knowledge pertaining to credit card lawsuits.

Representing yourself without any prior legal awareness is an almost positive way to lose your case. I have personally watched thousands of cases in which the consumer tries to "wing it" through the different litigation stages. The opposing attorney can figure out that this is what is going on within the first few minutes and will then proceed to scare and confuse the consumer until the consumer's defense strategies are in shambles. Needless to say, this is one of the worst options to use.

The third way to defeat a credit card lawsuit is a way that I have developed over years of observing and partaking in related legal proceedings. My system was founded under the view that consumers and attorneys only have one major difference, knowledge of the legal system.

99% of consumers end up losing their cases because they make mistakes during the legal process, which then weakens their defenses. Opposing attorneys realize this and watch for these opportunities. They will often steer consumers into these mistakes on purpose.

After studying cases and researching a huge quantity of case law, I realized that the same legal system that often misleads and degrades consumers could be used not in favor of the banks and creditors. The trick is calculating the right things to ask and when to ask them.

One dilemma still remains; consumers do not have multiple odds to try several tactics to see which defense works best. As soon as the consumer makes a incorrect move, the case will be over and a ruling will be made rapidly against the consumer.




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