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==== ==== This article talks about how to eliminate credit card debt. http://www.creditcarddebtlitigation.com/credit-card-lawsuit-defense/ ==== ====

I have encountered many people who have tried to defend credit card cases themselves in the past few months and am very surprised at some of the defenses that they think will work. The following are a few of the worst defenses that I have seen, and an explanation as to why they are bad defenses. I've never had an account with you. This means absolutely nothing in a court of law. The right to sue someone is a legal interest. A legal interest can be sold, at any time, at any price. While it may be true that you did not have an account with the collection agency, that doesn't mean that they cannot sue you on a delinquent account. (Whether they can prove that they bought the account is another story). I tried to pay, but you wouldn't work with me. This may be the worst defense ever. "I tried to pay..." this is called an admission. Who pays on something that they do not owe? No one. The admission here is that you did have an account and that you are in default. The creditor or collection agency does not have to accept any payment other than payment in full, once you are in default. In addition, a court typically does not determine payment arrangements. Instead, a court determines if you owe anything and then how much. Repayment afterwards is up to the parties to handle. My divorce decree says that I don't have to pay. This is mixing apples and oranges. A divorce decree is issued by a family court. While it has a binding effect between the spouses (ex spouse's I should say) it does not bind other parties. The credit card company (or collection agency) is not bound by this divorce decree because its case is in civil court, which is different. The credit card company can sue the named cardholder only, not anyone else, and the divorce decree will not prevent that. I hired a debt settlement company. Perhaps the second worst defense, and, the worst move that you could make, period. (This author firmly believes that debt settlement companies are useless and clearly not worth the outrageous fees that you pay them). As stated above, a credit card company or collection agency does not have to accept any payment other than payment in full, once you are in default. While it is not impossible to defend a credit card case yourself, it is quite difficult to do so effectively. If you do handle such a case yourself, do not use the defenses listed in this article.


Greg Artim is a partner in the consumer law firm Morrow & Artim, P.C. based in Pittsburgh Pennsylvania. For more answers to your debt settlement or credit card questions, be sure to visit his website at PA Consumer Attorney or PA Credit Card Law

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==== ==== This article talks about how to eliminate credit card debt. http://www.creditcarddebtlitigation.com/credit-card-lawsuit-defense/ ==== ====

The Worst Credit Card Lawsuit Defenses Ever  

This means absolutely nothing in a court of law. The right to sue someone is a legal interest. A legal interest can be sold, at any time, at...

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