JJS Law

Are you looking for a California debt defense attorney? A debt defense attorney is an attorney that will help you when your credit card company files a lawsuit against you for not paying your credit card balance. While many people believe that they have to pay the entire debt claimed by their credit card companies in a collection matter, there are large amounts of lawsuits that successfully conclude with the debtor paying little to nothing of what is claimed in the lawsuit.

Our California debt defense attorney will help you get your lawsuit resolved by standing by you in the case, protecting your rights and taking the stress and anxiety of the lawsuit off your shoulders.

A debt defense attorney helps defend consumers against original creditors and third party debt collectors that may be attempting to collect more than what the consumer’s balance was before default. Consumers often end up paying third party debt collectors more than they actually owe them.

To give one example, you may owe Bank of America a balance of $2,000.00, but they may file a lawsuit including interest, fees, and costs for $3,000.00. If Bank of America files a debt collection lawsuit, our debt defense attorney could reduce the amount you pay in that action based on the inflated amount that is being collected.

If you are facing a lawsuit from a debt collector in California, our debt collection defense attorneys can help you by making sure that the creditors are asking for the right amount of money and that they actually have the right to collect.

We have represented consumers in thousands of collection cases. Here are some examples of when our lawyers can help:

• you have received a lawsuit from a creditor or credit card company, like a finance company or retail store, and you are not sure if the amount they are asking is correct.
• you have received a lawsuit from a creditor or credit card company and you don’t believe that you owe the debt.
• you have received a lawsuit from a third-party collector and you are not sure if they have the right to collect the debt.
• you have received a lawsuit and would like to resolve it prior to trial, but for less than what is claimed, or for payment terms that you can afford (preferably interest free). If you receive a lawsuit from a debt collector, our debt defense attorneys will help you dispute any inflated amounts charged by your creditors or dispute unlawful collection attempts . Some of our clients are surprised to find out that we can reduce the amount they ultimately owe in their lawsuit.

We strongly encourage anybody that is facing a lawsuit from a collection company to call our firm to discuss their situation. We can help to take the fear and intimidation out of the legal process and stand by your side to protect your rights, so that you don’t feel like you have to do it alone.

Contact us today to set up your free consultation.

• National Collegiate Student Loan VS Our Client, Santa Clara County, California, Superior court Case Number: 17CV314870. Obtained a dismissal of a $55,326.64 student loan lawsuit in favor of a California client.  Client paid nothing to the creditor.
• Capital One Bank (USA), N. A VS Our Client, Contra Costa County, California Wakefield Taylor Courthouse Case Number: C19-01025. Settled a $​34,329.02 Capital One Bank lawsuit against a California client for $20,556.00 with 36 months to pay it off interest-free.
• American Express National Bank f/k/a American Express Centurion Bank vs Our Client, Orange County, California, Superior Court Civil Division Case Number: 30-2018-00994463-CU-CL-CJC. Obtained a dismissal of a $25,085.41 American Express National Bank lawsuit filed against a California client.  The client paid nothing to the creditor.
• LVNV Funding LLC v Our Client, Superior Court of California, County of Placer Case number: SCV0043679. Settled a $ $​32,962.68 lawsuit for a California client filed by LVNV Funding LLC for $​10,000.00.
• Wells Fargo Bank vs. Our Client, San Juan County Court Case Number: D-1116-CV-2017-00667. Obtained a dismissal of a $16,546.16 Wells Fargo Bank lawsuit filed against a New Mexico client.  The client paid nothing to the creditor.
• Wells Fargo Bank vs. Our Client, Superior Court of California County of Los Angeles Case Number: BC655745. Resolved a Wells Fargo Bank lawsuit for $​25,374.42 filed against a California client for $​15,000.00.

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