Legal Question in Credit and Debt Law in California

Re: sued by credit card company (2)

I wasn't there when you spoke to this attorney, but calling a collection agency over the phone is not something I would ever do. All interactions with CAs must be in writing and preferably certified mail RRR. And no settlement offer should be attempted until you are sure the lawsuit isn't outside the 4-year statute of limitations (measured from when your last payment was due). Without knowing more, I wonder if the attorney you consulted knows much about debt collection law.

I don't shamelessly solicit business here like some LawGuru attorneys, but this case is in my area of expertise and in my geographic area; and I do not charge for initial consultations. You do not have to drive to El Segundo to meet with me. Last credit card lawsuit I handled, the client paid me an extremely reasonable fee and I not only won the case, I collected my attorney fees from the bank.

I also have been known to sue debt collectors under the Fair Debt Collection Practices Act (FDCPA). Any attorney you consult regarding a debt collection matter should be quizzed about his or her knowledge of, and experience with, FDCPA.