Credit Card Defense

Are you overwhelmed by the amount of money you owe on your credit cards? Can’t keep up with your payments? Attorney Lynn Johnson understands that good people can fall behind on their debts in our current recession.

Don’t let the scare tactic threats of debt collection agents force you into making bad decisions for you and your family. You have options. Attorney Lynn Johnson can clarify these options during your free phone consultation.

Being Sued for a Debt?

It is important not to ignore the creditor’s lawsuit.  You need to respond to prevent the situation from getting worse.  With a judgment, the creditor or debt purchaser can forcibly take money out of your bank account.  Although wages can not be garnished in Texas, once deposited, the funds can be seized.  If you are being sued by a creditor or if you want to seek to avoid a suit by settling an account, let Attorney Lynn Johnson guide you.  Our goal is to stop the suit and work with the credit card company to come up with an alternative, such as reducing the total amount owed, or arranging a payment plan that suits your budget.

Harassment

Debt collection practices in Texas must comply with both Texas debt collection law and the federal Fair Debt Collection Practices Act.  Prohibited behaviors include harassment, false statements, and other unfair practices.  If you have an attorney, the debt collector must contact the attorney, rather than you.

Bankruptcy

An option to explore if a settlement cannot be reached is Bankruptcy.  Most credit card debt can be discharged in Bankruptcy.  Attorney Lynn Johnson can handle the credit card defense or the bankruptcy.