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Your Trusted Partner in Credit Card Debt Defense

Credit Card Legal Clinic

Are you being sued by your Credit Card company, a debt collector or collection law firm? Are your wages being garnished?

You need aggressive Credit Card Debt Defense.

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Welcome to Credit Card Legal Clinic, a law firm dedicated exclusively to representing clients with Credit Card debt.

Credit cards may seem like a viable financial solution to paying for urgent everyday items. However, a Credit Card is really a “debt” card, since later the charges add up and you are required to pay the minimum fee at least, the full balance or a partial balance payment. This can be very challenging, especially with a downturn in the economy or a loss of job or another life changing event.

If you are unable to afford these payments, it is very likely you will get sued, either by the Credit Card issuing bank, their internal legal team or by outside collection companies and lawyers. Worse, if you don’t respond or challenge the Credit Card Lawsuit you may receive a Default Judgment that allows the Credit Card owner to garnish your wages if you work and even come after personal assets.

Sometimes you are sued by a debt collector or a collection lawyer you have never heard of. This is often as a result of the original creditor selling your delinquent Credit Card Debt to a Debt Collector or Collection Attorney. There are massive companies in the USA that specialize in purchasing bad Credit Card Debt.

Whether your wages are being garnished or you simply want to get out of Credit Card Debt, the Credit Card Debt Relief specialists at Credit Card Legal Clinic (“CCLC”). CCLC is a well respected and accomplished law firm specializing in nothing but Credit Card Debt Settlement.

Credit Card Legal Clinic

Our representation is comprehensive and when necessary aggressive. We stand shoulder to shoulder with you and will do everything legally permitted to get you out of a Credit Card Lawsuit, Wage Garnishment and Credit Card debt.

The Credit Card Legal Clinic is a debt relief law firm licensed and active in the States of New York, New Jersey, Florida and Connecticut. Even of you do not reside in one of these States, we may be able to assist you,

Wage Garnishment laws differ from State to State and are complicated. There are a multitude of laws related to a wage garnishment and Credit Card Debt and therefore it is important you defend yourself with knowledgeable and experienced attorneys specializing in Credit Card Debt Defense.

Credit Card debt is not pleasant. However, it does NOT need to govern your life or garnish your wages. You have definitive legal rights and the Credit Card Collectors have many laws they must follow in order to collect upon a Credit Card Debt or garnish wages.

There is help available and at Credit Card Legal Clinic your Credit Card Debt case is our priority. We will not stop until we have resolved, settled or protected you using decades of experience to challenge and resolve your Credit Card debt.

Talk to one of our Credit Card Debt Defense Attorneys because knowing the law and protecting your rights is vital. 

Credit Card lawsuits can be beaten, garnishments released and settlements reached. At Credit Card Legal Clinic, we regularly settle consumer and business credit cards anywhere from 25% to 70% off the outstanding principal.

CCLC is a law firm geared to you as the client and it is our obligation to provide superior legal representation. This means you will always have the support of an attorney and our communication is second to none. Also, only YOU can accept and agree to a settlement or to a form of Credit Card debt relief. This leaves you in charge of your legal destiny. Together we will fight to release the garnishment, recoup monies taken but not owed or to get you a repayment plan that is AFFORDABLE.

Credit Card debt is no fault of your own, yet before you realize you cannot afford the credit any longer you are faced with frozen accounts, a wage garnishment or a Credit Card Lawsuit. If you are facing a credit card lawsuit, you need a credit card lawsuit attorney to help. Moreover, with Credit Card Legal Clinic at your side, you will likely be able to improve your credit score and reporting.

Remember, Credit Card Debt can be settled and defended without the need to file bankruptcy.

Let CCLC show you a methodology and legal approach to stress free Credit Card Debt Relief. Our law firm and our practices are hard hitting, yet simple. We engage the creditor or their attorneys, negotiate and when appropriate litigate the law, in order to reach a quick and final settlement and resolution. Defending Credit Card Debt head on is our business and supporting each and every client from start to finish.

Credit Card Legal Clinic is ready to support you every step of the way. Our team is professional and experienced and the firm only uses the finest technology to handle your case efficiently and cost effectively, all while providing expert Credit Card Debt Defense and Credit Card Legal representation.

Since no case is identical, our law firm will provide, when applicable, tailor-made solutions for you to reach your desired outcomes.

No matter how challenging the situation is, DONT IGNORE. Collection attorneys collect nearly 80% of their judgments by default. In other words, by simply ignoring and not responding to a Credit Card Lawsuit can be fatal and a judgment entered against you.

Feeling hopeless and helpless? Think your Credit Card debt is too daunting or the Credit Card Collectors actions are too overpowering? Our compassionate and experienced Credit Card Debt Lawyers can minimize these feelings and remove the stress in no time at all.

We will help you move forward so you can start living Credit Card free. Once you call us, we will respond to your Credit Card Lawsuit and offer the most comprehensive legal solutions you deserve.

When you hire our Credit Card Dept Relief Law Firm, you will receive zealous representation with decades of Credit Card Settlement experience. At Credit Card Debt Clinic, we will do everything in our power to minimize the amount you owe.

Credit Card Debt Defense Attorneys You Trust

We pride ourselves on helping as many debtors as possible. If you are one of those debtors who struggles to make ends meet, opt for our options and you won’t regret it. We are able to assist you in overcoming aggressive creditors effectively and quickly. Remember that giving up because you feel broke, guilty, ashamed, stressed or embarrassed will not stop the harassment and damage to your credit.

Contact Credit Card Legal Clinic for help to tackle your Credit Card debt and settle any Credit Card lawsuit. Just because you may have defaulted on a credit card, doesn’t mean hope is lost.

There exist many Laws to protect you as the debtor in a credit card lawsuit or wage garnishment and Credit Card Legal Clinic will make sure these rights are upheld, as we embark on effective Credit Card debt representation and defense. Lean on our industry expertise, vast experience and our success, to counter any collection tactic. There is a plethora of laws that are there specifically regarding Credit Cards and it is our obligation to utilize each one, as applicable in order to bring you the best results possible.

When it comes to fighting, defending or settling a Credit Card, experience matters! Credit Card Legal Clinic has been making banks, debt collectors and debt buyers prove their case and settle for far less than what is owed, for more than 23 years.

Look no further, we stop and defend Credit Card lawsuits, remove wage garnishments and put a stop to creditor harassment.

Let’s get to work!

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Frequently Asked Questions

When you get a credit card, you agree to make monthly payments. This agreement constitutes a legal contract. When you don’t make these payments, you are in breach of this contract. Credit card companies have various options for trying to collect debt after you breach the Credit Card legal terms and conditions. One of these options is to sue you, seeking a judgment and thereafter garnishing your wages.

It is common practice for large banks and Credit Card issuers to sell your delinquent credit card debt to a debt collection agency.

You will know that the sale of the bad debt has occurred by checking your credit reports and confirming whether your delinquent Credit Card(s) were “Charged Off.” In circumstances like this, you will still owe the debt, but now it is owed to the debt collector and not the original credit card company.

Credit Card debt collectors purchase your debt for a fraction of what you owe and try to get you to make regular payments. They can also sue you in court. If they get a judgment, they can garnish or attach your wages.

The best way to control and protect against a wage garnishment is to have an attorney confirm the exceptions that exist in your State – there are wage garnishment rules and regulations for each State and it must be provided by the debt owner to the debtor as a document when the debt is alleged by mail. 

Try to see if any of the exemptions apply to you and your attorney will look for other illegalities and seek to use it as legal leverage to force home the best possible settlement. Remember if we settle for example on $120 payable over 12 months, there is no further interest accruing and no legal fees or court costs. In other words, the figure and amount you agree to settle is the maximum the debt buyer or collection agency can accept legally.

Entering a settlement remains an effective legal mechanism to avoid wage garnishment. Any evidence or proof of financial hardship such as outstanding tax bills, child support, back rent owed are hardships that will be used again as legal leverage to obtain an affordable and binding legal Credit Card debt settlement.

Also, when you receive the wage garnishment notice, look for the State Wage Garnishment exemption law sheet to be included and check whether you qualify for a state exemption to wage garnishment.

As stated previously, each State’s laws allow you to protect a portion of your earnings. If you believe you are entitled to an exemption or according to wage garnishment calculations, you have had too much money deducted, your Credit Card attorney can file a legal document in court while claiming the exemption. It is entirely up to the judge who will decide whether the garnishment is valid or not. Be sure you file your exemption claim documents before the given deadline.

When you receive a Credit Card, you are legally agreeing to make monthly payments. This may be your monthly minimum or your balance. In turn, the Credit Card issuer reports your payment, or non-payment to one or all of the main three (3) credit reporting agencies, Experian, Equifax and Transunion. If there is a late or non-payment, it will be reported as such to the Credit Agencies and in turn your FICO (credit score calculation) will decrease. A bad Credit Card debt reported on your Credit Report can remain for up to seven (7) years.

Yes, by accepting the Credit Card you are accepting all of the cards legal terms and conditions that follow along with the card. You do not even need to use your Credit Card to establish a legal relationship between you and your Credit Card issuer. Within the legal terms and conditions is a section whereby you promise to repay the Credit Card issuer for the credit it extends you. This is a legally binding contract and accordingly, if you fail to make a payment the Credit Card issuer or collection agency can sue you and obtain a judgment and garnish your wages.

The vast majority of Credit Card lawsuits filed by a Credit Card company or Credit Card debt collector, allege “Breach of Contract.” Accordingly, it is important for any person currently holding Credit Cards or considering originating a new Credit Card, to understand a little more about contract law and the allegation of Breach of Contract.

In order to understand what a breach of contract is, we will first establish what forms a binding contract or agreement.

In its raw form a contract is essentially a promise. It is a promise from one party to another party to perform or refrain from certain acts. The promise most often pertains to payment or the repayment of money. In the case of a Credit Card, , you are promising to repay the Creditor for the sum of credit you receive through using your Credit Card, and you are required to pay at the interest rate agreed to in the legal term and conditions.

Thus, any act or lack of acting by you that impedes, directly or indirectly, the ability of the Credit Card lender to collect on the Credit Card, is considered a breach of the Credit Card Agreement.

Now that we have established the existence of promises in a Credit Card Agreement, let us examine the most basic but essential elements required to form a legally binding agreement or contract.

In its most simple form, a contract is a legally binding promise contained in a written document and to be binding and legal, the contract must encompass and incorporate the following:

  • An offer – here, the Credit Card issuer offers you credit via a Credit Card.

  • An acceptance of the offer – here the signing of the MCA Agreement and receipt of the Consideration (both parties must give and receive something of benefit) – here the Merchant receives Credit and the Credit Card company receives repayment at a high interest rate.

Poorly drafted Agreements can be legally attacked.

Many Merchant Cash Advance Agreements are poorly-drafted and frequently lead to disputes. Even a poorly drafted document can have massive repercussions and thus, it is in a merchant’s best interest to have a competent and experienced Merchant Cash Advance attorney review the agreement prior to the merchant signing. Additionally, many clauses within a Merchant Cash Advance are more akin to a traditional loan and can be challenged as such by your MCA attorney.

What elements are needed for a Credit Card issuer to claim Breach of Contract?

  • Formation of a contract between plaintiff and defendant,
  • Performance by the Credit Card issuer of its duties and obligations, and
  • Defendant’s failure to perform – i.e., making timely repayment, resulting in damages to the Credit Card issuer or Debt holder.
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