El Mirage CREDIT CARD LAWSUIT DEFENSE

Sued for Debt in El Mirage?

If you have been sued for a debt in El Mirage please understand that you are not alone. This may be the first time you have ever been sued.  There are many consumers in El Mirage who are sued every month for an old debt.

Unfortunately many El Mirage consumers make the mistake of not hiring an attorney to defend the lawsuit so they end up with a default judgment.  The debt purchasing business has gained in popularity in recent years. Debt purchasers buy portfolios of debt for as little as three to five cents on the dollar.

The purchasers then contract the debt out to local collection attorneys who file individual lawsuits against Arizona Consumers. Under Arizona law, they now have six years to sue you for the debt under the statute of limitations.

You should do everything in your power to prevent these lawsuits from turning into judgments.  Please call me to discuss your options now.  602.635.6835

What can happen to me with a judgment in Arizona?

1) Garnishment of Wages

A judgment creditor in El Mirage has the power to garnish a percentage of your wages. Under this situation, the judgment creditor garnishes your money directly from your employer under A.R.S. § 12-1598.03.

2) Levy/Freeze/Take your bank account(s)

In Arizona a judgment creditor can levy your bank account.  This means they may be able to forcibly take some or all of the money you have in your bank account pursuant to A.R.S. §12-1572.

3) Seize any “non-exempt” property from you

A judgment creditor in El Mirage can force the sale of any non-exempt property that you own.  This means that, without your approval, non-exempt property can be taken from you and sold to pay off the judgment creditor.

4) Put the judgment on your credit report

A judgment is usually reported as a “public record” on your credit report. This reporting may severally damage your credit history and is often very difficult to remove from your credit report, even if you later settle the judgment and obtain a release.

So what can you do?

  1. Fight the Lawsuit
  2. I charge a FLAT FEE to fight collection lawsuits.  I also offer payment plans as described below.  The creditor may dismiss the lawsuit if they are forced to prove their case.  If they do not dismiss often times settlement is a better option.

  3. Debt Settlement
  4. I may be able to assist you with settling this debt and other debts for a substantial reduction in what is owed in El Mirage.  Settlement reduces the risk of going to trial and it may improve your credit rating if the debt is currently reporting as a collection account.

  5. Bankruptcy

If you qualify for an El Mirage Bankruptcy, it would stop the lawsuit and most likely discharge all of your credit card debt.  This is often the best solution if you anticipate multiple lawsuits on multiple debts.  A chapter 7 Bankruptcy will allow you a fresh start.

What are the Fees?

There is NO CHARGE for a phone consultation to discuss your situation.  Please call me now at 602.635.6835.

After reviewing your situation I will generally quote you a FIXED FEE.  This means that you will not have to worry about paying an hourly rate and you will know exactly how much it will cost to hire me for this lawsuit in El Mirage .  I also have a variety of payment plans as low as $250.00 per month.

I would be happy to answer any additional questions that you may have about this lawsuit. 

Call now before there is a judgment!  602.635.6835

 

Get Help Now