Practice Areas
Credit Card Lawsuit Defense
Mike Weston has successfully defended hundreds of credit card lawsuits over the past few years, the following is a guide which will hopefully answer some of the burning questions that you have.
First, we understand that nobody likes to be sued. This may be the first time you have ever been sued. If you have been sued by a debt purchaser for an old debt, the first thing you need to realize is that you are not alone. There are thousands of consumers in Texas who are sued every month on debt that is usually 3 to 4 years old. Unfortunately most consumers make the mistake of not hiring an attorney to defend the lawsuit. The debt purchasing business has exploded in recent years. Debt purchasers buy portfolios of debt for as little as 3 cents on the dollar. The purchasers then farm the debt out to local collection attorneys who file individual lawsuits. Under Texas law, they only have 4 years to sue you from the time you made your last payment.
Debt Collection Abuse
- The following are ways to stop collection calls even if you owe the debt:
- Step 1: Know Your Rights
- Step 2: Document All Calls. Submit Your Free Case Evaluation Here
- Step 3: Call Us (Texas Residents Only)
- Step 4: Sue and Pay Nothing Unless We Recover
Debt Settlements
Bankruptcy is not for everyone. At Weston & Associates we offer Bankruptcy alternatives, including debt settlement. We can work with your creditors and attempt to settle your debt for pennies on the dollar. It is dangerous to try and settle a debt without having a written settlement agreement. All too often consumers “settle” debts only to have the debts re-appear years later. If you are interested in trying to settle your debt and you have not been sued, please fill out our debt settlement questionnaire.
We Sue Debt Collectors
The most common complaint to the Federal Trade Commission (by far) year after year is complaints about debt collectors and/or collection agencies. In April of 2006 the FTC reported that it received 66,627 complaints against third-party debt collectors in 2005. This was more than any other industry and nearly six times the amount in 1999. It is also important to note that these collection agencies recovered over 39 billion dollars in 2005. Unfortunately most consumers do not know their rights regarding these collectors and simply put up with unacceptable conduct.
Credit Repair
Having good credit is very important. At Weston and Associates we can assist you in attempting to rebuild your credit or dispute inaccurate information that is reporting on your credit report.
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