If you are in need of a debt defense attorney who works in Weatherford, TX who is experienced, resilient, and will fight for you, please call James Foley at 817-738-1633

 

Are you being sued because of an old debt?

An old debt may be held over your head, but without a debt defense attorney, you might not know the Statute of Limitations in Texas. I will be able to inform you of the Weatherford, Texas Laws that allow people to get rid of old debts. In Weatherford, TX, the time to file a debt lawsuit against someone is four years. As a debt defense lawyer, I can review your case and help you fight your debt.

 

Have you even had dealings with the company that is suing you?

This question needs to be asked because the company must have a relationship to the person in debt. The company must be able to prove that it has dealt with you, because if not, then they do not have the right to be suing you. 

 

Do you know why you’re being sued?

If you received a notice stating that you are being sued DO NOT IGNORE IT. Though you may not know why you are being sued, you can have as little as 14 days to reply to the court. Without a response, the person suing you will have no problem winning the suit because no one is fighting it. So, a debt defense attorney that services Weatherford, TX is a necessity to prevent the loss of the suit. 

 

 

CREDIT REPORT PROBLEMS

 

According to a news article, more than a third of Americans have bad credit. In Weatherford, credit report problems could be your issue. The offices of James Foley, which serves Weatherford, can help your fight these important credit report concerns and can help you get out of your credit report situations. These credit card reporting issues can lead to identity theft, because if someone sells the credit, your identity could be stolen. 

 

Good credit reporting is extremely important and so is having a debt defense attorney form Weatherford, Texas. If you do not know your credit report, or what it can contain, you could be in trouble. Without knowing your own credit report, other companies can deny you, claiming that you have bad credit whether or not you have bad credit. That is why it is important to make sure your credit is being reported correctly. If you have ever had a bad credit report, you need a great credit report lawyer. Weatherford attorney James Foley is the right person to combat your credit report problems. 

 

You may not know, but under the federal Fair Credit Reporting Act (FCRA), the use of credit card user information is restricted and you could be in the dark without a credit report attorney from Weatherford. James Foley is a confident, trustworthy, and persistent attorney who is willing to fight the bad credit reports and help you today. 

Call the Weatherford credit report Attorney James Foley at: 817-738-1633

 

CREDIT INFO:

“The Fair Credit Reporting Act (FCRA) is a United States federal law (codified at Title 15 United States Code Section 1681 and following) that regulates the collection, dissemination, and use of consumer information, including consumer credit information.”

 

“Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies.”

 

DEBT INFO:

 

“This means the debt is too old to be enforced. The time a creditor has to file suit against you is limited by law in each state. In Texas, it is four years. The time starts running from the last date you make a payment.” http://www.nolo.com/legal-encyclopedia/defenses-credit-card-debt-lawsuits.html This is an affirmative defense. It must be brought by the debtor answering the lawsuit. If you do not file a written answer to the lawsuit you will lose by default. The court is not going to do discovery for you to ascertain if a debt is time barred or if the creditor has ample documentation to prove its case, that is up to you. So call me now. 

 

“Millions of American struggle under a load of high credit card debt. If you are having trouble paying your credit card bills or are worried about high credit card balances, don't hide your head in the sand.”

http://www.nolo.com/legal-encyclopedia/managing-credit-card-debt 

 

“One study shows that the average Texan is about $40,000 in debt.”

http://www.star-telegram.com/news/local/article9528494.html#storylink=cpy 

 

“As of June 2015, 

U.S. household consumer debt profile:

Average credit card debt: $15,706

Average mortgage debt: $156,333”

https://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/ 

 

What is Lack of standing:

 

“A creditor can only sue you if it has a relationship to you. Credit card companies often sell bad debt to debt purchasers. If the party that sues you is not the original creditor and you assert lack of standing as a defense, it will have to prove that it has the right to sue you. Often these debt purchasers will attach bills of sale or other documents to the suit which show that it bought debt from your creditor, but not that it bought your particular account. If you assert lack of standing, the debt purchaser must show proof that your account was one of those that it did purchase.”

http://www.nolo.com/legal-encyclopedia/defenses-credit-card-debt-lawsuits.html