While there are many defenses to lawsuits, not all defenses are valid defenses to lawsuits filed against consumers for defaulting on credit card debts. The purpose of this article is to help consumers determine the defenses that will help them.
You've been sued for a credit card debt! The purpose of this article is to help consumers determine if a lawsuit has been filed by an original creditor (the credit card bank with which you opened an account) or a debt buyer (a company who purchases defaulted accounts).
The purpose of this article is to clear up some misinformation in regard to debt validation and to provide facts based upon the Fair Debt Collection Practices Act and court rulings.