We Are Your Legal Team

Defending You Against Debt Collectors

In these tough economic times, more and more Americans are having difficulty making their monthly credit card payments. If you have been sued by a credit card debt collector for being delinquent on your payments, the attorneys at Shay, Santee, Kelhart & Deschler LLC may be able to help.  We will pursue an aggressive defense strategy that forces debt collectors to prove every element of their case against you. The law in this area can afford significant protection to the debtor, and credit card companies frequently prevail simply because the debtor is unaware of his or her legal rights. Accordingly, having an attorney with experience in handling debt collection cases can be a major asset to any debtor who has been sued.

Notably, the way in which debt collectors document credit transactions sometimes hinders their ability to collect debts in court. In today’s well-developed and complex credit markets, it is common for a bank to sell, or assign, a credit card account to another bank or to a collection agency. Often enough, a credit account will be assigned more than once. If the debt collector who sues the debtor is not the original creditor but is only an assignee of the credit account, the debt collector must be able to prove the existence of every assignment in order to establish that it has the right to collect on the debt.  Debt collectors in credit card debt collection cases frequently have difficulty doing this. At Shay, Santee, Kelhart & Deschler LLC, we will make every effort to compel the debt collector to prove every element of its case against you.

Ready To Represent You, So Call Us

Sometimes, the mere fact that a debtor is represented by competent legal counsel can induce the credit card company to agree to a reduced payment amount. Know your rights. If you have been sued for a delinquent credit card debt, consult an attorney at Shay, Santee, Kelhart & Deschler LLC in Bethlehem, Pennsylvania. The debt collector will surely have a lawyer experienced in debt collection matters on its side. Make sure you have one on yours. We provide confidential consultations, so please contact us online or call 610-295-5328.