Credit Card Debt Attorney in Cleveland, OH
Have Credit Card Debt? We Protect Consumers in Northern Ohio.
Have you been served with papers by a credit card company? Have you been
notified of a potential lawsuit by creditors? Have debt collectors taken
legal action against you in order to secure the debts owed to them? If
any of these have happened to you, you cannot wait another moment. Reach
out to an experienced attorney for credit card debt in Cleveland.
Though it may be tempting to ignore the situation and allow itself to resolve,
failure to act or respond could actually further jeopardize your future.
A credit card debt lawyer can help.
Have severe credit card debt or are you going to court?
Contact Knevel Law Co. LPA online or call (216) 450-6689 for a free consultation with a Cleveland credit
card debt lawyer
How Can a Credit card debt lawyer Help?
Knvel Law Co. LPA, our Cleveland credit card defense lawyers can:
- Help you understand the upcoming process
- Inform you of your defense option
- Protect your rights as a consumer
As one of Ohio’s oldest consumer
bankruptcy law firms, we have helped protect thousands of consumers throughout Northern Ohio.
Knevel Law Co. LPA's attorneys have a 45-year history of compassionate client service and we understand
the stress or anxiety you may be feeling. We take our role as legal counselors
seriously and can help guide your steps to a peaceful and positive resolution.
What To Do if I'm going to Court for Credit Card Debt
Do not ignore the summons. If you ignore it, the court will be more likely
to side with the debt collector and you may end up with a wage garnishment
until you pay back what you owe.
The situation may be stressful, but the most important thing to do is stay
calm and create a plan. Typically you have 20 to 30 days to respond to
a summons, so be sure to read it carefully so you know exactly how much
time you have.
Verify Your Debt
Debt collectors are human and make mistakes. First, verify that the debt
is actually yours. Through the Fair Debt Collection Practices Act (FDCPA)
debt collectors are required to provide you a letter validating the debt.
It contains specific details including the current creditor and the amount
that is owed. You may request it, but it should also arrive no later than
five days after the initial communication regarding the debt. If the debt
is not yours, you have the right to request more information and fight
Call an Experienced Credit Card Debt Lawyer Near You
Even if you decide to pay off the debt, it is a smart choice to contact
a credit card debt lawyer near you. An experienced attorney can take a
look at your situation and guide you to negotiating a fair way to settle
- Clients are choosing our firm's attorneys for many reasons:
- More than 18,000 bankruptcy matters successfully handled
- Over 45 years of combined experience in the legal community
- Every case is handled with urgency and complete discretion
- You can start your case today with a FREE initial consultation
Being sued for a credit card debt? Call our law office in Cleveland at
(216) 450-6689 for a free consultation on your case. Our lawyers are
experienced in matters involving credit card debt.
Common Defenses to Credit Card Lawsuits
If you have been sued by a lender or if you think you may be sued by a
credit card company, you need to act fast. Simply offering a reason –
or a defense – can help prevent any negative actions such as wage
garnishment, bank levies, property liens, or other aggressive means.
Do not think that your current situation is helpless simply because you
feel as though your debt is too big or creditor actions are too overpowering.
Getting the professional help of a qualified and experienced lawyer can
help you move forward and start living without the constant stress of debt.
- Common defense strategies may include, but are not limited to:
- You already paid off the debt (in part or in full)
- You attempted to pay off the debt but your debt was sold to another creditor
- You were never served with papers or did not receive a complaint
- You are being sued for debts that have expired beyond the statute of limitations
debts were discharged through bankruptcy protection
Is There a Statute of Limitations on Debt?
The statute of limitations on any type of debt in Ohio is
6 years. The time is counted from when a debt becomes overdue or the last time
the borrower made a payment. Be mindful if collectors are coming after
you -- making a payment on an expired debt can reset the time is counted
and it may allow the creditor to use you.
Get a Free Consultation With a Cleveland Credit Card Debt Attorney
Depending on the unique circumstances that surround your case, there may
be countless potential defense strategies available to you. Call us at
(216) 450-6689 and learn how a Cleveland credit card debt lawyer can help you!
We have offices throughout Northern Ohio and proudly serve clients in Cleveland,
Akron, Canton, Elyria, and Garfield Heights. If you were sued, turn to
a seasoned credit card debt attorney today.