Almost everyone is aware that American taxpayers have funded the bailout of numerous banks and other companies.  The list of bailed out banks and financial institutions includes well-known ones such as Citigroup, Bank of America, Capital One, JPMorgan Chase, Goldman Sachs, Discover and many, many others.  The most recent estimate of government losses from the bailout has nearly doubled, and is now estimated by the Congressional Budget Office to reach $34 billion dollars.

Despite staggering losses, some of these banks gave massive bonuses to their executives during the last few years.  Citi provides several examples of such corporate greed.  Its CEO, Vikram Pandit, received total compensation of more than $38 million for 2008-2010.  Its Chief Financial Officer (CFO John Gerspach) received more than $9.7 million for 2009-2010.  Two other Citi executives received more than $20 million for 2009-2010.  Another executive received more than $8 million only for 2010.  During the 2008-2010 time period, however, Citigroup posted a cumulative net loss of more than $15 billion dollars.

One can only wonder how many Citibank consumers in dire financial straits could have benefited from the bailout money provided to Citi by American taxpayers, or how many senior citizens could have used even a small percentage of Citi’s executive compensation to put food on their table.

Zakheim and Associates, P.A., now known as Zakheim and LaVrar, P.A., sued our client on behalf of Discover Bank in a credit card debt collection lawsuit. The Zakheim attorneys assigned to this case, Kimberlee J. Otis and Michele L. Nihiser from Plantation, Florida, sued our client under the legal theories of Open Account and Account Stated.  NCO Financial Systems had also been involved in this credit card account. After we applied our knowledge of the applicable court rules, statutes and cases, including those applying to Open Account and Account Stated claims, the lawsuit against our client was dismissed.

As a Central Florida Consumer Protection law firm, our mission is Helping Florida Consumers.  We would be honored to put our experience to work for you.

Our client was sued in a debt collection lawsuit by Mainstreet Acquisition Corporation under a Complaint for Equitable Relief under Promissory Estoppel, Equitable Estoppel (Estoppel in Pais), Indebitatus Assumpsit and Unjust Enrichment. Attorney Andrew D. Fleisher from the Law Offices of Erskine and Fleisher represented Mainstreet Acquisition Corporation.

After applying our knowledge of state and federal cases, statutes and court rules, we were able to have the debt collection lawsuit dismissed for our client. While words like Promissory Estoppel or Indebitatus Assumpsit may seem confusing, these are terms our law firm is familiar with and ready to defend. We are here for the people who need assistance in defending their credit card lawsuit.

Our client was sued by Arrow Financial Services, LLC as an assignee of Washington Mutual Bank. Arrow Financial was represented by the law firm of Hayt, Hayt & Landau in Miami, FL, including their attorneys Robert J. Orivitz and Dana Kalman (Dana Stern). They sued our client for Breach of Contract and for Money Lent. Our client initially tried to represent himself, but later retained us to handle the case for them when the debt collector would not give up. After we were retained, we applied our legal knowledge and experience, and the case was dismissed.

The Court also imposed sanctions against both Arrow Financial Services and Hayt, Hayt and Landau, who then appealed those sanctions. After extensive briefing, the appellate court upheld the sanctions against the debt collectors.  We are very proud that we were able to win the case for our client and provide him and his family with the justice they deserved.

The Law Office of Andreu, Palma and Andreu, PL from Miami, FL (attorneys Jorge Palma and Diamelyn Cepero) filed a debt collection lawsuit against our clients on behalf of debt collector Precision Recovery Analytics, Inc.  They sued our client for breach of contract, unjust enrichment and account stated.  After many motions and lengthy discovery, the debt collector’s lawsuit was dismissed and our client did not have to pay anything at all on the alleged debt.

While each case is different, one thing is the same.  We will defend your case 100%.  We are not a debt “negotiation” law office, we completely fight for our clients.  Know your rights and know that your case will be handled by an experienced consumer protection attorney from beginning to end.  Contact us for a free consultation.  We will be happy to defend you in a credit card lawsuit filed in Seminole, Volusia, Orange, Brevard, Flagler or Lake County.

We were retained after our client was sued by JP Morgan Chase’s Legal Department attorneys Philip A. Orsi, Lisa Dolin Eiss, Anthony J. Maniscalco, Buffy D. Thomas and Danielle E. Bishop.  We filed the necessary documents during the case, including discovery (interrogatories, requests for production and requests for admission) and motions.  After our aggressive representations, Chase’s lawsuit was dismissed without our client paying them anything.  If you need representation against a debt collector, call us.  We are here for the people who need legal assistance, anytime.  If you were sued in Brevard, Flagler, Lake, Seminole, Orange or Volusia counties, contact us at 1-888-834-5297 or through our easy web contact form.

Attorneys Harold E. Scherr and Alex McClure from the Law Offices of Harold E. Scherr, P.A. in Lake Mary, Florida represented CACH, LLC in a lawsuit filed against our client.  The debt collection lawyers for CACH (owned by Square 2 Financial) sued our client under Breach of Contract, Account Stated, Unjust Enrichment and Open Account.  After serving Interrogatories, Requests for Admission and Requests for Production and filing various Motions, a trial date was set.  At trial, Harold Scherr’s offices brought in debt collection attorney Karla Ayer.  During trial, we made numerous objections to the testimony of CACH’s witness and its documents, as well as documents from the original creditor, Bank of America.  We also submitted extensive briefs / memoranda of law pointing out why our client was clearly entitled to win.  We won at trial and a Final Judgment was entered in favor of our client: CACH and the Law Offices of Harold Scherr did not recover a penny from our client.

If you are being sued, contact us any time, day or night.  Let our experience work for you.  We devote 100% to our clients and have experience in all aspects of defending credit card lawsuits, including pleadings, pretrial conferences, mediations, discovery, motions to dismiss, motions for summary judgment / motions for summary disposition, numerous other motions, trial and appeals.  We also represent consumers throughout Central Florida (including Orlando / Orange County, Seminole County, Volusia County, Brevard County, Lake County and Flagler County) in auto deficiency actions, debt collection lawsuits, auto repossessions, home improvement scams, auto defects / auto fraud, identity theft, and other consumer protection matters.  And remember, there is never a charge for the initial consultation, so don’t delay and don’t lose valuable rights: contact us today through this website or by calling us toll-free at 1-888-834-5297.

Our client was sued by Citibank (South Dakota), N.A.  Attorneys Patrick A. Carey, and Robert J. Rivera from the law firm of Patrick A. Carey, P.A. in Orlando represented Citibank.  Citibank and its lawyers sued our client under three different counts: Account Stated, Money Lent and Open Account.  After requiring Citibank to respond to our discovery and a targeted motion, we won the case for our client.

If you were sued by the law firm of Patrick A. Carey, P.A. in Orange County, Flagler County, Seminole County, Lake County, Volusia County or Brevard County, call us for a free consultation.  Remember when you receive a Summons and Complaint for a credit card debt, you have important rights, but you have to respond within the allotted time or you can lose your case.  There is a lot of information on the internet for the people who want to investigate what their lawsuit might mean, their legal rights or to learn more about the law firm suing them.   However, it is best to get the answers to your questions from an experienced attorney.  Call us or email us anytime for a free consultation – we will make ourselves available.

Our client was sued in County Court here in Central Florida for an auto deficiency judgment following a repossession.  The Plaintiff, Cavalry Portfolio Services LLC, was a debt buyer who claimed to have bought the Retail Installment Sales Contract and debt from GMAC.  They were represented by the Florida debt collection law firm of Law Offices of Andreu, Palma & Andreu, PL, including their debt collection lawyers Jorge Palma and Diamelyn Cepero.

We agressively fought this auto deficiency lawsuit in court using our knowledge of Florida law and Florida court rules.  As a result, Cavalry Portfolio Services dismissed their lawsuit.  Our client did not have to pay anything.

While each case is different, one thing stays the same: the debt buyer’s law firm will be experienced in debt collection.  You need an experienced Central Florida consumer protection attorney to represent you when you are sued, because your money, your property, your credit score and your reputation are all at stake.  As a Florida debt collection defense law firm, we have won other auto deficiency lawsuits and would be honored to defend your lawsuit against these debt collectors and their lawyers.  We are conveniently located in Lake Mary (Seminole County), Florida and accept such cases throughout Central Florida, including Seminole County, Orange County, Volusia County, Brevard County, Lake County and Flagler County.  Please don’t hesitate to contact us by clicking here or call us today for a free consulation.

We recently had the privilege of representing a client in Central Florida who had been sued by Equable Ascent Financial, LLC, who is a debt buyer that buys such debt for pennies on the dollar.  The chain of ownership was particularly convoluted, as Equable Ascent Financial claimed to have received the account by assignment from Chase Bank USA, N.A., who in turn inherited the account from WaMu (Washington Mutual Bank).   The attorney representing Equable Ascent Financial was Andrew Fleisher from the firm Erskine and Fleisher.

As in many other cases, we were able to obtain a favorable result for our client.  Even though Equable Ascent Financial had sued our client, our knowledge of Florida statutes, case law and rules of legal procedure, as well as our well-honed legal strategies for defending credit card lawsuits resulted in getting this case against our client dismissed without our client paying the debt collector a penny.

Put our experience as a Florida consumer protection law firm to work for you.  Receiving a Summons and Complaint can be a scary experience, but you don’t have to go through this process by yourself.  Let us defend your credit card lawsuit.  We believe in Helping Florida Consumers.

The Attorney General of the State of Minnesota has sued Midland Funding, LLC and an affiliate, Midland Credit Management, Inc., for fraud in connection with its debt collection activities.  Midland Funding is a well-known debt buyer that has also filed numerous lawsuits here in Florida seeking to extract money from Florida consumers.

The Attorney General’s lawsuit focused on “robo-signed” affidavits.  This refers to the practice of signing affidavits under oath claiming a debt is legitimate even though the person signing the affidavit has not verified their accuracy or sometimes even without reading them, in order to quickly obtain a judgment against consumers.  It is referred to as “robo-signing” because the process is similar to robots doing the same thing over and over again without any verification.  As some of you may know, “robo-signing” has been exposed as a huge problem here in Florida in the context of mortgage foreclosure actions.

This lawsuit demonstrates that “robo-signing” is also a huge problem in the area of credit card lawsuits and debt collection lawsuits generally.  For example, the Attorney General indicates that they have sworn testimony from numerous Midland Funding employees that they have signed up to 400 false affidavits per day; those affidavits were then filed in Court as supposed “proof” of the debt.  In my opinion, not only should the signers of the affidavit be held responsible for their actions, but so too should their employer, Midland Funding, and the lawyers who submit those affidavits to Florida Courts.

More information about the Minnesota Attorney General’s lawsuit can be found by clicking here.  If you have been sued by Midland Funding or suspect you are a victim in a case where such a false affidavit was submitted, please contact us through this link or by calling us on our toll-free number at 1-888-834-5297.  As an experienced Florida credit card and debt collection defense lawyer, I am here to help the consumers of Seminole County, Orange County (including Orlando), Volusia County, Brevard County, Lake County and Flagler County.

We were retained to defend a credit card collection lawsuit filed in Central Florida by Asset Acceptance and its attorneys Howard Butler, Amanda Duffy, Rodolfo Miro and Anthony Steele.  After vigorously representing our client against these experienced debt collectors, the case was dismissed without any cost to our client.

Let us file the appropriate motions and legal paperwork.  Haven’t you already been through enough?  We will keep you informed every step of the way.  If you are looking for an experienced lawyer to defend you in a credit card lawsuit filed in Seminole, Volusia, Orange, Brevard, Flagler or Lake County, please call us – we are here to help.  We would be honored if you selected our firm to represent you.  Call us toll-free at 1-888-834-5297 or click here to submit a question through our website.