Fort Bend County Credit Card Lawsuit Attorney
The Mastriani Law Firm represents consumers and defends lawsuits brought by debt collectors in Fort Bend County. The Mastriani Law Firm has successfully defended thousands of Texas’s consumers that have had credit card lawsuits brought by the largest and most aggressive creditors and debt collectors in the world.
Including but not limited to the following original creditors Citibank, American Express, Centurion Bank, Capital One, Bank of America, FIA Card Services, Inc., Discover, HSBC, GE Money Bank, GEMB, Wells Fargo, and Target National Bank.
The Mastriani Law Firm also defends credit card lawsuits brought by the following scavenger zombie third party debt buyers that include but are not limited to LVNV Funding LL.C., Equable Ascent Financial, LL.C., Pharia, Dodeka, CACH, LL.C., Global Acceptance, LL.C., Midland Funding, LL.C., Vion Holding, Asset Acceptances LL.C. Portfolio Recovery Associates, LL.C., Troy Capital, Advantage Assets., and Palisades Collections, LL.C.
Creditors know that with Mastriani representing a consumer there rights will be vindicated and case zealously advocated. This extensive litigation experience and reputation for zealous advocacy enables Mastriani to often obtain the best result in court or a most favorable settlement without the necessity of a trial should it be in the consumers best interest.
John Mastriani is familiar with most, if not all of the debt collectors in Fort Bend County, Texas. Mastriani has defended lawsuits in Fort Bend County brought by Allen Adkins and Associates, Michael Scott, P.C., Regent and Associates, Johnson and Silver, Michael Adams, P.C., Javitch, Block, and Rathbone, Rausch, Stern, Isarel, Henderson and Hornick, Richard Clark and Associates, Zwicker and Associates, Hull and Associates, Fulton, Friedman and Gullace, LLP., Ed Burke and Associates and Matthew Polito.
John Mastriani has been litigating lawsuits since the late 80’s and has been the lead attorney in over a few thousand creditor card lawsuit defenses cases. Mastriani understands the internal structure of the court system. He also has no fear when it comes to litigating a matter to the fullest extent of the law should it be in the consumer’s best interest.
Fort Bend County Credit Card Lawsuit Defense
Credit Card Lawsuit Plaintiffs’ file Fort Bend County credit card lawsuits against you because they want to take a Fort Bend County judgment against you so they can seize your nonexempt assets for payments of the debt. Many times, the consumers’ inability to pay the debt and/or have suit filed against them is the result of the creditors’ unreasonable behavior to begin with. Clients’ of the Mastriani Law Firm often have had an unforeseen circumstance create a cash flow problem that caused them to be unable to make a payment. Rather than working with the consumer the creditor will either raise an interest rate or reduce the credit limit on an account. When a creditor does this Mastriani Law Firm clients are often faced with higher monthly payments that only reduce the principal slightly and are often caught in a continuous treadmill that they may never overcome to pay the debt.
If you are sued it is not as hopeless as the Creditor would want you to believe. There are laws and rules of evidence with respect to court proceedings that the skilled and experienced attorneys’ at the Mastriani law firm utilize to protect your rights. Unfortunately, many consumers do not retain an attorney and fall further prey to the creditors deception. Often times a consumer will ignore the lawsuit resulting in a default judgment against them.
Some consumers try and defend themselves. Once again we do not recommend that you try and defend yourself. A collection attorney, even with limited knowledge, of the court system will more than likely obtain a judgment against an individual consumer without an attorney to help them. There are instruments that are filed in court that an unwary consumer lacks the requisite expertise to combat wherein the skilled attorneys of the Mastriani Law Firm can counter with ease and prevent a judgment from being obtained against you.
Nobody likes to be sued and it is an unpleasant experience. The Mastriani Law Firm understands that bad things happen to good people. You will find an attentive and compassionate staff that will alleviate the stress and unpleasantness associated with a credit card lawsuit. Though you may have fallen on hard times don’t let credit card companies and their debt collectors kick you while your down. Retain the Mastriani law firm and let us PRESERVE AND PROTECT YOUR RIGHTS! Often we are able to eliminate the entire debt and obtain a judgment favorable to you.
Fort Bend County Texas Asset Protection
While Texas does afford a Judgment debtor with more protections than most States, nobody wants to have a judgment taken against them. Additionally, since many Credit Card Lawsuit judgment may be avoided in the first place the creditor is usually more difficult to deal with after a judgment. After a judgment is obtained against you a creditor has a much bigger arsenal of tools to collect it. For example, a judgment creditor can take money out of your bank account. A judgment creditor can make it difficult and even collect a judgment when you try to buy, refinance or sell your home. Many times lenders will force you to pay off a judgment creditor before you can borrow from them. This is true even if the lender is different than the judgment creditor.
Another misconception is that while it is true in Texas that a judgment creditor may not garnish your wages, they still may be able to seize your paycheck because once your pay check is deposited in your bank account it loses the characteristic of wages and can be seized. The Mastriani Law Firm strongly encourages you to call our firm and schedule a free attorney consultation. At least give us the opportunity and some of your valuable time to explain how we may help you.
Now you may be asking yourself how can I afford an attorney? We understand that many consumers are suffering difficult financial times. Our vast experience allows us the opportunity to charge our clients’ much lower rates than we could but for said experience. The Mastriani Law Firm always offers a free attorney consultation wherein we can meet with prospective clients’ in a confidential setting to determine if we can help you. We also offer many affordable payment plans such that retaining us is not a strain on limited resources needed for you and your family. So not only can you afford to retain the Mastriani Law Firm, you cannot afford not to.
Fort Bend County Debt Collector and Collection Abuse
There are laws to protect consumers from unscrupulous debt collectors. Specifically, and amongst the most popular laws are the Texas Deceptive Trade Practices Act (DTPA) and the Federal Fair debt Collection Practices Act (FDCPA). The Mastriani will sue a creditor that violates these laws or any laws. More often than not creditors and collection agencies break the law with respect to the collection of a debt. Common violations include but are not limited to the following: Constantly calling and harassing you at home and work; revealing your debt to third parties; threatening that you will go to jail if you do not pay the debt, contending that there is a judgment against you; contending that they can garnish your wages; contending that your homestead can be seized and sold; leaving messages and not advising who they are; claiming additional lawful fees can be added to a debt; and calling you after you have retained an attorney.
If any of the aforementioned has occurred or you feel that you have not been treated with respect and dignity from a debt collector please call the Mastriani Law Firm and schedule a free attorney consultation because we sue debt collectors and creditors that do cross the line.