Consumer credit card defense lawyer Atlanta

Posted by rohny01 on December 16th, 2018

A consumer credit card is a payment card mostly issued by the banks to its customers so that they can use it to pay money for goods and services. It is a card with no actual money but the money is transferred from one medium to another digitally. Banks issue these cards with a limit and charges some amount in excess to the amount used by card holder as service charges. The amount that a card holder spends is actually borrowed money from banks and banks charge some money on that amount which you have borrowed from bank. Bank gives certain time to pay that amount back. When the consumer is unable to pay that amount back to bank then the bank may charge more amounts on that. If the card holder is completely unable to pay the debt then bank has a right to sue the card holder.

The main focus of a credit card company, when the customer does not pay the amount back, is to take the amount back. Consumer credit card defense lawyer Atlanta also sue the customers and take the matter in court where it is easy for them to prove that they have some pending amount which they want to receive from the card holder. Most of the time card holder does nothing and gets bankrupt. The court orders the card holder to pay the amount and credit card companies win the case by default. In this case the card holder has the right to hire an attorney and defend his case. There are thousand credit card defense companies but one of the best companies in Atlanta is Pekor and Associates.

The question is what would a consumer credit card defense do for you?  Well they have a lot of reasons and ways to save you from getting bankrupt. The credit cards companies can leave several loop holes in the process which can work in card holder’s favor. These loop holes can only be determined by credit card defense lawyers. Sometimes the debt is too old to be enforced and according to the law there is a certain time period in which a company can sue the card holder. In that case credit card defense lawyer in Atlanta can help you a lot. Companies have to follow certain rules and regulations to sue the card holder and if they fail in that then situation can work in favor of card holder. If you prove that there was an identity theft or your credit card was stolen then the law suit does not apply. But to prove that you need an experienced consumer credit card defense lawyer that can help you because these small points can only be pointed out by him. Atlanta Consumer credit card defense lawyers can also negotiate with the firm and can decrease a large amount of debt. The companies want their money and after some negotiation the lawyer can decrease the amount of debt which automatically works in your favor and can save you from being bankrupt as well.