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  1. #1
    Join Date
    Jun 2008
    Posts
    3

    Post Defenses for a Credit Card Lawsuit

    My question involves bankruptcy in the state of: Missouri

    Is there a good defense on valid credit card debt? I fell into financial troubles last October, fell behind in house and car payments, couldn't afford minimum payments. I stopped paying them. Now I am being sued by two with more in the future. I have asked for debts to be validated, they sent me a copy of my statement. The extra fees are outragous, over $8,000 since October. I would like to settle, but don't have a lot of cash, credit is crap, and they want too much. I have met with a bankruptcy lawyer, but really would avoid that if possible. I have asked for a continuance, but I'm not sure it will be granted.

    Any advice?

  2. #2
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Defenses for a Credit Card Lawsuit

    You can raise whatever defenses you have to the debt in court. If you're already being sued, you've probably waited too long to challenge the validity of the underlying debts. The fact that you've accrued interest and various later charges and penalties as a result of nonpayment doesn't invalidate the debt.

    If these are your gambling debts, see also the information in your other thread.

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