Rockwall Credit Card Debt Lawyer

Credit Card Debt Collections

Are you being sued or harassed over an old credit card debt? Has your debt been sold to LVNV Funding, Midland Financial, or another debt collection business who calls you day and night? Laws exist to protect you from harassment by companies who make a business of trying to collect on old or expired debt. In many cases, the debt has already been written off by the credit card company, has passed the statute of limitations for collection, or may not even exist. It isn’t shameful or wrong to challenge third-party debt collectors. Guest and Gray Law Firm's credit card debt team is conveniently located in Rockwall County and ready to help! We can protect you from outrageous treatment and combat any lawsuits brought by debt collection businesses. Deal with the debt collectors by letting our experienced attorneys in Rockwall County manage your credit card debt case.

Statute of Limitations on Credit Card Debt

A statute of limitations exists when the law sets a time limit for a party to sue another party. In Texas, the statute of limitations on credit card debt is four years. A debt which is no longer collectable under the law might be sold at a deeply discounted rate to a third party debt collector who will then try to collect on it, even though the debtor is no longer legally obligated to pay. It is usually up to the person being sued to prove that the debt has passed the statute of limitations deadline for credit card debt. If you have been sued by a debt collection company, don't ignore the court papers. Get Guest and Gray Law Firm’s Rockwall county team to represent you.

Manipulation by Credit Card Debt Collectors

When unpaid credit card debt is sold by credit card companies to third-party debt collectors, the records may not be accurate or complete. In many cases there may be only weak evidence that you owe anything or even no proof at all. The debt may even have been paid in part or in full. Credit card companies or third-party collection agencies suing you for unpaid credit card debt must have documentation of any debt. But the individuals who work for debt collection agencies are skilled at manipulating you into paying as much money as possible, even when their records are inaccurate or missing parts. In fact, you may not actually owe anything at all. Before you respond to a bullying debt collector, contact the attorneys at Guest and Gray Law Firm’s Rockwall County office.

Your Rights

Sometimes debt collectors resort to questionable tactics like sending intimidating letters, threatening to sue without just cause, or calling over and over at all hours. There are laws in place to protect people who are targeted by debt collectors. Don’t give in to aggressive credit card companies or third-party debt collection agencies who are suing you for unpaid credit card bills. The attorneys at Guest and Gray Law Firm in Rockwall County are experienced at dealing with aggressive companies. Our team will help you assert your legal rights and make sure that you are treated fairly and with respect, so contact us today at our conveniently located office in Rockwall County.