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Hays Cauley, P.C.
Serving Clients Throughout South Carolina And Alabama

Protecting You And Providing Representation During Credit Card Lawsuits

If you've ever been in debt, you know how it feels to avoid phone calls or leave your mail unopened. You may not even know how much you owe — you just know that the situation is overwhelming.

When you finally open an important-looking piece of mail, panic sets in. You are being sued by a debt collector or creditor. What should you do now?

The Worst Thing You Can Do Is To Do Nothing

If you are being sued for an outstanding debt, you must act quickly. Once you receive the summons and complaint, you only have 30 days to file an answer with the court. If you fail to file an answer, then the company suing you can obtain a judgment by default. Once a judgment is entered, it can be reported on your credit report for 10 years and the creditor/collector can even file a lien against your property. Even if you file an answer, there are other steps that must be taken to protect yourself.

The good news is that if you take action right away, you may discover that the case against you isn't very strong. With the help of an experienced attorney, you may be able to have the case and debt dismissed altogether.

How Our Law Firm Can Help You

Lawsuits are scary, and fear is what creditors and debt collectors are counting on. They are not counting on you obtaining a lawyer and fighting back. At Hays Cauley, P.C., we understand the weaknesses that can unravel these cases.

In order to obtain judgment against you, plaintiffs must be able to prove exactly how much you owe and prove that they have the right to collect it from you. Much of the time, plaintiffs cannot produce the required paperwork. Additionally, they may have waited too long to bring the lawsuit, and you may be entitled to have it thrown out.

Contact Us Today For A Free Discussion About Your Case

We are ready to fight for you. Unlike many of our other services, we cannot take credit card lawsuits on contingency. However, the cost of hiring an attorney is likely much more reasonable than paying the debt in full, and initial consultations are free.

If you want to learn more about how we can help you, call our Florence, South Carolina, office at 843-773-2782. You can also fill out our online contact form.

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