There are many possible rebuttals in a credit card lawsuit defense
If you have credit card problems whether of your own doing or due to some fraudulent activities you can get help from a collection defense lawyer. If you are summonsed to appear in court it will be wise to arrange your credit card lawsuit defense. PYZYKA is a credit card defense attorney serving the people of Boca Raton, Broward, Fort Lauderdale, Miami, Palm Beach and West Palm Beach. If a credit card company or debt collector serves you with a summons you will have a set period of time in which to respond. You will also have to specify in your response what your defense is.
There are many possible defenses that can be raised in a credit card lawsuit. These include improper service of summons, statute of limitations, fair debt collection practices, lack of standing, fraud, bankruptcy, identity theft, mistaken identity or settlement of debt. Each case is unique and your attorney will be able to advise you regarding the best strategies and option for your credit card lawsuit defense.
For example there are specific procedures and rules in how a summons must be served. If your summons was served improperly you will need to raise that in your response. You and I will not know these rules but that is why should have a credit card defense attorney. Credit card companies also have a time limit in which to serve a summons. If a creditor fails to file suit within the specified time period you could raise the statute of limitation a s defense, meaning your debt is too old to be enforced.
Whatever the nature of your rebuttal, be it mistaken identity or FDCPA violations, you will be best advised to use the services of an attorney. The law is complex and you have to follow specific procedures and protocols, most of which you will not even be aware of.