412-281-1250 or 1-888-536-6644| inquiry@pacreditcardlaw.com

Credit Card cases - What are my chances?

Collection Agencies file hundreds of lawsuits each day in Pennsylvania, can you beat them in court?

The answer is a definite YES! The fact of the matter is that our firm beats the collection agencies and junk debt buyers in court almost every single time. We handle between 15 and 20 cases every month, all year long, and our success rate speaks for itself.

Credit card lawsuits are based upon documentation, nothing else. In order to prevail in court, a collection agency or junk debt buyer needs to have all of the documentation from your alleged credit file to beat you. In most instances, they have a very difficult time in coming up with this documenation.

Our approach to defending these cases is usually to file what are called Objections. Objections are a legal filing which bring into question the legal sufficiency of a lawsuit. In almost every single case, the initial Complaint that is filed by the collection agency is defective because if fails to include all of the relevant documentation. When the objections are filed, we end up in front of a judge who invariably agrees that the lawsuit is defective. The judge will then order the collection agency to produce further documentation or the case will be dismissed.

Because of the nature of the debt collection business, and the way that their business model is set up, these agencies often have difficulty in producing the necessary documentation for your case. The end result is typically either a court dismissal of the lawsuit or a voluntary withdrawal by the collection agency.

Contact our office today at 412-281-1250 or 1-888-536-6644 for a no cost, no obligation review of your debt collection law issue.

Clay Morrow, Esq.

Clay handles the claims that are filed against debt collectors who make illegal threats or who place improper marks on your credit report.  Clay typically can make the debt collector pay your legal fees.

Greg Artim, Esq.

Greg defends consumers who have been sued by junk debt buyers, collection agencies or credit card companies. The odds of success in these cases are tilted strongly towards the consumer.

PA Credit Card Blog

Visit our PA Credit Card Blog for a collection of articles and posts about Pennsylvania credit card laws and some of the credit issues that we have faced.
About Our Firm

At Morrow and Artim, P.C. our focus is on Pennsylvania Consumer Law, whether its defending against collection agency lawsuits, suing debt collectors, handling unfair trade practice claims or assisting with identity theft matters.

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Morrow & Artim, P.C.
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Phone: 412-281-1250
Toll Free: 1-888-536-6644
Email: inquiry@pacreditcardlaw.com

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