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I got suit for a credit card debt.

This legal question related to civil litigation & trial law attorneys in Ft LauderdaleFlorida has been answered.

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Location: Ft Lauderdale  |  Law type: civil litigation & trial law attorneys
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Hi I recently was suit for a credit cart debt. I lost my job 2 years ago and i am working as a food delivery for the last 2 years. I make very little $$$, it barely covert my bills. If I hire a lawyer what are my chances to get it dismissed or get partial amount forgiven?

 

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The response provided below is specific to civil litigation & trial law attorneys in the jurisdiction of Ft Lauderdale. If the response is inadequate, please submit a detailed inquiry.

Assessing Credit Card Debt Lawsuit in Ft Lauderdale

Credit card debt lawsuits are not uncommon, especially in situations where individuals face unforeseen financial hardships. Understanding the legal landscape, as well as available defenses, is crucial when responding to such lawsuits.

  1. Relevant Legal Provisions in Ft Lauderdale

    • Florida Statutes Chapter 95: Limitations of Actions; which details the statute of limitations for collecting a debt.
    • Florida Statutes Chapter 559: Regulation of Trade, Commerce, and Investments, Part V: Consumer Collection Practices; which provides guidance on debt collection practices in the state.
    • Homepage of the Florida Government Legal Resources

  2. Potential Solutions for Your Situation

    Firstly, considering the context provided, it may be possible to argue that the debt is beyond the statute of limitations, meaning that it is too old to be legally collected. If this is the case, and the creditor is aware, it can serve as a defense in court.

    Secondly, if you've never been properly notified of the debt or if the debt amount is disputed, these might be valid defenses. Some individuals successfully negotiate with creditors to settle for a lesser amount or create a manageable payment plan.

    For a comprehensive understanding of your situation and to weigh all options, it is advisable to find the right lawyer familiar with credit card debt cases in Ft Lauderdale.

  3. Average Legal Fees in Ft Lauderdale

    Service Average Cost (USD)
    Consultation with a Debt Defense Lawyer $150 - $300 per hour
    Negotiation with Creditors $500 - $1,250
    Representation in Court $2,000 - $4,500 (total)

    Note: These figures represent average costs and can vary based on the complexity of the case and the reputation of the lawyer. Ft Lauderdale, being a major city in Florida, has a competitive legal market which might impact prices.

  4. Further Clarification Needed

    Before giving a definitive solution, more information about the specifics of your case is essential. Do ask a free legal question for a more tailored response.

  5. Questions for Better Understanding

    • Have you received any formal notifications or summons from the court regarding this debt?
    • Is this the first time you're being made aware of this specific debt?
    • Do you have any documentation or records related to the credit card debt?

Common Questions Regarding Credit Card Debt Lawsuits in Ft Lauderdale

How long do creditors have to sue for a debt in Florida?

Creditors typically have five years from the last payment date to file a lawsuit for unpaid credit card debt, as per the state's statute of limitations.

Can I be jailed for not paying my credit card debt in Ft Lauderdale?

No, you cannot be jailed for failing to pay a credit card debt. However, if you lose a lawsuit and still do not pay, the court might issue other remedies, such as wage garnishment.

What should I do if I'm served with a lawsuit?

It's crucial to respond before the deadline mentioned in the summons. Not responding can lead to a default judgment in favor of the creditor.

Can I negotiate my credit card debt?

Yes, many individuals successfully negotiate with creditors either directly or through a lawyer, to settle for a lesser amount or a payment plan.

Is it worth hiring a lawyer for a credit card debt lawsuit?

Having legal representation can help in understanding the nuances of the law and potentially finding defenses that might not be obvious. While there are costs associated, a lawyer might help reduce the overall debt or create favorable terms.

Disclaimer

This content is for informational purposes only and does not establish an attorney-client relationship. It's always recommended to consult with a local attorney about your specific situation.

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Legal question "I got suit for a credit card debt." has been changed 1 year 6 months ago. Demonstrate your legal skills and willingness to help and answer right now! Issue is related to the location of Ft Lauderdale & area of law: civil litigation & trial law attorneys.
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