Credit Card Legal Center – Pennsylvania
Welcome to the Pennsylvania Credit Card Legal Center sponsored by Morrow & Artim, P.C. This section of the website deals solely with Credit Card lawsuits that are filed in PA, whether they are filed by the original Credit Card companies or by Collection Agencies and Junk Debt Buyers. This page is meant to act as a gateway to a vast amount of information about these types of lawsuits. Hopefully, your mind will be put at ease once you begin to understand the process of what happens and the very high success rate that we have in handling these debt collection lawsuits.
The filing of these debt collection lawsuits has increased exponentially in the last few years in Pennsylvania, (it seems as though a new collection agency opens every month or so), and consumers like you need the proper legal assistance in reviewing and handling these claims. Most of these claims should be defended by a consumer attorney (please don’t try to play lawyer and handle a claim yourself) but there are a few instances where the claims should be settled. We take a look at each individual case and discuss the options and possibilities with every prospective client. We look at all factors of a claim before deciding what to do. Some of these include:
- who is suing you;
- which attorney or law firm is representing the debt buyer or credit card company;
- when the last payment was made on the account;
- who the original creditor is;
- the size of the lawsuit;
- the specific court in which the lawsuit is filed; and
- the cost effectiveness for the client to either defend or settle.
Over the last few years, my firm has typically handled about 30 to 35 of these cases every month, both at the District Justice and Court of Common Pleas level, and we have seen most everything that can happen in a credit card lawsuit. We are at the forefront of credit card case law in Pennsylvania as our firm has been the counsel of record for many precedential cases across the Commonwealth. Clay Morrow, one of our founding attorneys, was counsel on the most cited credit card case in PA (Worldwide Asset v. Stern and its companion), and we have had precedential opinions issued in several counties on several different issues involving evidentiary issues on credit card and student loan cases.
For starters, our success rate on credit card and collection agency cases is through the roof, literally. We have lost only a small handful of collection agency cases over the last 4 years and most of the ones that were lost were overturned on appeal. We handle cases at the local magistrate (District Justice) and at the Court of Common Pleas level on a flat fee or a staged flat fee basis. With a flat fee, the client will know his/her legal costs before retaining our firm. This eliminates any surprises to the client regarding costs to defend a case.
It is my hope that the information on this site can help ease your worries about the legal/financial troubles that you are having with these allegedly delinquent credit card accounts. Please feel free to contact me if you need legal assistance or find that your specific question is not answered here. While I cannot respond to every inquiry, I do make a concerted effort to respond to those that I can help.
The links to the right point to specific questions that you may have about Credit Card Lawsuits. General questions are listed at the top of the link set, and more specific questions are listed on the lower section.
If you have a credit card company or a collection agency attempting to collect a debt from you, please contact my office at 412-823-8003 or send an email to Attorney Greg Artim