Legal Representation for Credit Card Debt in Columbus
It is not uncommon for credit card companies to challenge the discharge of credit card debt in a bankruptcy proceeding.
A tactic credit card companies will often use is to try to put together a timeline of credit card purchases that they will attempt to show the court were unnecessary. They will try to claim that some or all credit card purchases within a specific period of time were made with the intent of including those purchases in a foreseeable bankruptcy proceeding. They will claim that the credit card holder who has filed for bankruptcy intentionally made purchases while never intending to pay the credit card company.
In some cases, this tactic by the credit card company may work, but typically only if the credit card company can effectively show a pattern of a purchasing history that indicates the credit card holder's clear intent to never pay for the purchases made because of an impending or foreseeable bankruptcy claim.
However, intent of the credit card holder is not always so cut and dried. It is often subjective in nature and, therefore, your bankruptcy attorney must sometimes fight to paint a different picture from that of the attorneys for the credit card company. Your attorney may have to also effectively show that certain purchases were made prior to unforeseeable financial circumstances that directly led to the decision for the credit card holder to file bankruptcy.
We are extremely detailed in our preparation regarding your bankruptcy, provide a comprehensive approach in seeking a successful bankruptcy, and guide you through this difficult process with the dignity and respect you deserve.
Many times clients will be served with lawsuits from companies which have purchased the credit card debt from the original credit card company. These lawsuits may be successfully defended as the purchaser of the credit card claim cannot prove that they are the true owner of the claim.