Jaffer Law Can Defend You and Fight Back
Receiving a lawsuit from a credit card company or debt buyer like Midland Funding, Portfolio Recovery, or LVNV Funding is stressful and intimidating. But you are not alone — and you have options.
At Jaffer Law, we defend Texas consumers every day against credit card lawsuits filed in justice courts, county courts, and district courts across the state. Whether you’ve been sued for $1,000 or $25,000+, we use aggressive legal strategies to get cases dismissed, reduce what you owe, and protect your rights.
Why Am I Being Sued Over Credit Card Debt?
Credit card companies and debt collectors file tens of thousands of lawsuits in Texas every year. They’re betting you’ll panic and either ignore the lawsuit or agree to pay more than you legally owe.
You may be sued by:
- Your original credit card lender (like Capital One, Discover, Citi, or American Express)
- A third-party debt buyer (like Midland Credit Management, Portfolio Recovery, or Cavalry SPV)
- A law firm hired by the creditor (like Rausch Sturm, Scott & Associates, or Zwicker & Associates)
Even if the debt is real, many of these lawsuits are based on poor documentation, outdated records, or errors. In many cases, we can get the case dismissed or negotiate for a much lower settlement — sometimes nothing at all.
What Happens If I Ignore the Lawsuit?
Do not ignore the lawsuit. If you fail to respond on time, the plaintiff can request a default judgment, meaning the court grants them everything they ask for without hearing your side.
With a judgment, they can:
- Garnish your bank account
- Place a lien on your property
- Damage your credit
- Accrue interest and legal fees
But if you act quickly, you have a real chance to beat the case. That’s where Jaffer Law comes in.
How Jaffer Law Defends You
Our firm has defended hundreds of Texas consumers just like you. We understand the courts, the tactics debt collectors use, and how to beat them at their own game.
What We Do:
1. Immediate Case Evaluation
We review the lawsuit, deadlines, and who’s suing you. We explain your options and the best strategy forward — often the same day you call.
2. File an Answer and Stop the Clock
We file a formal response to the lawsuit to avoid default judgment and preserve your rights. Timing is critical — in Texas, you may only have 14 to 20 days to respond.
3. Challenge the Plaintiff’s Evidence
Most debt buyers cannot prove you owe what they claim. We force them to produce original contracts, payment records, and legal assignments. If they can’t — we ask the court to dismiss the case.
4. Negotiate Favorable Settlements
If settlement is the best path, we negotiate from a position of strength. We often settle debts for a fraction of the claimed amount — and ensure no judgment goes on your record.
5. Go to Trial If Necessary
When collectors push, we push back. If trial is in your best interest, we can represent you in court and hold the plaintiff to every burden of proof the law requires.
Our Results: Dismissals, Settlements, and Peace of Mind
Our legal team has helped Texans across the state:
- Get cases dismissed outright
- Settle debts for as little as 10–30%
- Avoid default judgments
- Vacate old judgments
- Stop wage garnishments and bank levies
- Rebuild financial stability
Whether you’re in Dallas, Houston, Austin, San Antonio, or a rural county, we can represent you — often without requiring you to appear in court.
Common Defenses We Use in Texas Credit Card Lawsuits
Many lawsuits are based on weak, missing, or incorrect evidence. We frequently raise defenses such as:
- Lack of standing (plaintiff doesn’t own the debt)
- Statute of limitations has expired (often 4 years in Texas)
- Improper service or notice
- Missing or forged documents
- Identity theft or mistaken identity
- Unconscionable interest, fees, or charges
Remember: just because you’re sued doesn’t mean you owe what they claim — or owe anything at all.
You Only Have Days to Act — Don’t Wait
Texas court deadlines are strict. If you’ve been served, you may have 14 days from the return of service (justice courts) or Monday next after 20 days (county/district courts) to file your answer.
Waiting too long can cost you the case. We can help you respond fast — and with force.
Why Choose Jaffer Law
- ✅ Focused on Consumer Defense – We fight debt buyers every day
- ✅ Flat-fee and affordable pricing – No surprise costs
- ✅ Experienced litigation team – We handle your case from start to finish
- ✅ Remote consultations available – No need to travel
- ✅ Statewide coverage – We defend clients all over Texas
FREE CONSULTATION
(469) 589-5600
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