1
Do nothing, and hope this all goes away
This is what most people choose to do when facing a debt lawsuit. This is the single worst thing you can do for your financial future. If you take nothing else from reading our site, please DON'T CHOOSE THIS OPTION. When you do not respond to your creditors, they will eventually file a lawsuit against you. Once they do, you have between 14-20 days (depending on what court they file in) to respond. If you fail to respond, your creditor will win a "default judgment".
Once a creditor obtains a credit card debt default judgment, they can begin the process of collecting on the full amount. This is when your creditor will really start to turn the screws. Your creditor will now be legally allowed to seize your non-exempt assets, including freezing your bank account. For certain debts, they will also be allowed to garnish your wages. They can also file title liens against any property you may own. Your creditor can and will take extreme measures to collect this debt. The judgment is good for 10 years, and they can renew it indefinitely every 10 years after. It will never go away. Whatever you do, don't ignore this problem.
2
Represent yourself in court
For the ambitious debtor, this may appear like a reasonable option. We've all had that friend who fought their speeding ticket in court and won. Unfortunately, a civil debt lawsuit in Texas is an extremely complex case. For every story you read online about the little guy who fight the giant banks and won, there are 1000's more you don't hear about that make a simple mistake and lose. Texas civil law is riddled with loopholes and gotchas, with strict paperwork and filing deadlines that challenge even seasoned lawyers. Unfortunately, the law and the odds are stacked against you.
Your creditor has a team of lawyers in every state whose sole job is to sue and collect on unpaid debt (and they make a lot of money doing it). They will show up to court with thousands of pages of documents, and fly in "experts" from across the country, just to win a small judgment against you. Your creditor takes this very seriously, and so should you. The truth is, most people choose this option because they don't think they can afford a credit card debt lawyer to represent them. That's why we've made our fees simple and affordable, and provide low monthly payment plans, so you can get the valuable legal help you need. Don't pay thousands of dollars in late fees and charges to your creditor, when we can reduce or eliminate your debt altogether.
3
Let us fight on your behalf
Johnson & Bryan is a debt relief law firm that specializes in credit card debt lawsuits. All day, every day, we represent our clients against these greedy creditors. When you hire us to represent you, we completely take over your credit card debt lawsuit from start to finish. All collection efforts will stop immediately, including those annoying phone calls. Your creditor will only deal directly with us. We will also file all the necessary documents to challenge your creditor's lawsuit, and attend court for you on your behalf.
Most all of our communication can be handled over the phone or email, so you won't have to miss valuable time at work to deal with this issue. You'll always deal directly with an experienced credit card debt lawyer at our firm (never a paralegal or outsourced help), and we will keep you constantly updated with the status of your case. We will force your creditor to either dismiss or settle your debt lawsuit, or we will take them to court and make them convince the judge. Bottom line, we will fight tooth and nail to ensure you end up paying the least amount possible on your outstanding credit card debt balance.
