Sued by Atlantic Credit & Finance?

Have you received a collection letter from Atlantic Credit & Finance? or a telephone call? has a lawsuit been filed against you by Atlantic Credit? Fortunately, you have found this website and you have found a Consumer Attorney who is willing to help defend you.

Atlantic Credit & Finance is a company that buys bad debt to try to make a profit. They buy large blocks of allegedly defaulted credit card accounts for pennies on the dollar, sometimes for even less, for the sole purpose of attempting to collect whatever they can on those accounts from individuals just like you. They file dozens of lawsuits daily in every county in Pennsylvania in hopes of collecting on old debt claims that have been charged off by the original creditor.

Our approach to defending lawsuits filed by Atlantic Credit is twofold.  First, we defend the case based upon a lack of legal sufficiency. In general, when a party files a lawsuit in Pennsylvania, there are several issues that need to be recited in the lawsuit. In other words, facts must be established that tend to prove that you had a credit account, that you made certain charges, that you agreed to specific terms and conditions, that you defaulted on it and that Atlantic Credit has the right to sue you and collect on the alleged debt.

In my experience, I have found that the lawsuits filed by Atlantic Credit are usually legally insufficient, that is, they are unable to meet the above listed criteria. We object to these lawsuits on insufficiency grounds with tremendous success.

In the event that Atlantic Credit is able to cure the insufficiency objections, (which occurs very infrequently) we then move on to defending the claim on its legal merits, i.e. whether you actually had the account, whether you actually defaulted on it, when the alleged default occurred, et cetera.

Our firm has a great deal of experience in defending credit card collection cases. With the rise of delinquent debt and the outsourcing of that debt to shady collection agencies, having an attorney to protect your interests has become vital. If you have been sued in any county in Pennsylvania by Atlantic Credit or another collection agency, our firm can help you defend this claim at minimal cost, with a great chance at success. Contact our office here, call me at 412-823-8003 or visit our Pennsylvania Credit Card Legal Center here.