Santa Ana Bankruptcy Lawyer – Santa Ana Chapter 7 & Chapter 13 Attorney
As Santa Ana Chapter 7 attorneys we know that nobody likes to get sued. It can be very scary. In fact, the idea of going to court, speaking in front of a judge and arguing with a skilled attorney can be a very intimidating situation. The good news is if you are being sued by your credit card company you have very clear options: (1) ignore the lawsuit (2) respond to the lawsuit and defend (3) try to settle the case (4) consider a Santa Ana Chapter 7 or Chapter 13 bankruptcy. Let’s take a look at each of these options.
Ignoring a lawsuit is never a good idea. If you do not defend the lawsuit against you, the credit card company will seek a default against you. Once the court has entered a judgment against you the credit card company will be able to go after your bank accounts and garnish your wages. Not only will the judgment stay on your credit record but you will have to file a Santa Ana bankruptcy anyway in order to stop collection.
We will combine the next two options together. While not impossible, defending the lawsuit yourself or trying to settle the case are both VERY difficult to accomplish. If the credit card company hires an attorney neither you nor some debt-settlement company will be able to negotiate with the attorney. On the flip-side if you want to hire an attorney to represent you it will cost you a significant amount of money. Further, if you owe the credit card company money, you have very little in the way of a defense. If the credit card company wins, you may be liable for the amount owed, interest, penalties and attorney fees.
Finally, consulting a Santa Ana Chapter 7 Attorney in order to file bankruptcy can your best option. The minute you file the bankruptcy court issues an automatic stay which will prevent all further collection action against you. If the credit card company wants to continue collection action against you it must get the permission of the bankruptcy court. Further, a Santa Ana bankruptcy will be able to wipe out your credit card debt completely. Contrary to popular belief, you will be able to get credit almost immediately after filing.
If you are being sued by your credit card company over past due balances, we recommend you seek the advice of an experienced Santa Ana bankruptcy lawyer to discuss all your debt relief options.
We at the Law Office of Harold D. Thompson are Santa Ana Chapter 7 Bankruptcy Lawyers dedicated to helping you get out of financial distress with a comprehensive debt relief plan. If your debts are piling up and you are looking for a “fresh start” call the Santa Ana Chapter 7 Attorney that will fight for your financial freedom. Bankruptcy fees start as low as $800.00. Don’t be fooled by big advertisers charging thousands of dollars. Call us TODAY at 1.888.665.8330 or visit one of our other websites at San Diego Bankruptcy Lawyers or San Diego Bankruptcy Lawyer Blog or My San Diego Bankruptcy.
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