Skip to Content
Serving the Cumming Community
Top
Credit Card Defense Accomplished Legal Professional Using Insights from Both Sides of the Law

Credit Card Lawsuit Defense Lawyer in Cumming

You Can’t Pay? We Can Help. Call (678) 257-4507!

Almost everyone has come to a point where life gets ahead of them and the bills pile up beyond discernable repair. If you fall behind on your credit card bills, either a debt collector or the credit card company itself may come after you to collect the money they believe they are owed. Facing an aggressive and intimidating collection agency is daunting, but it doesn’t have to be when you enlist the services of our Cumming credit card lawsuit defense lawyer of The Epps Law Group. We will explore all possible paths of relief to help you and your family come up for air in what feels like an impossibly suffocating situation.

Why Am I Being Sued?

When you first sign up for a credit card, you usually sign an agreement which defines the contract between you and the credit card company. A standard violation involves falling behind or failing to make payments altogether, which may prompt a lawsuit. What happens next will vary depending on your circumstances, but the process generally involves a collection agency. The credit card company may then sell your debt to a debt collector and if you cannot settle with the collector, the debt will be resold until it reaches an attorney. If the settlement is still not cleared, you will be sued by the credit card company.

Don’t Let Them Bully You

When there is an unpaid balance of debt, ignoring this fact can be nearly impossible in the courts but it does not mean you are without a solution. In fact, one of the most success-driven methods of defense is an affirmative one, which means you acknowledge the debt went unpaid but that you should not be held responsible for this sum.

One of the strongest defenses is to claim a lack of privity, which claims there was no mutual relationship between you and the collectors. This is best achieved if you never actually signed a contract with the collection agency. Another defense is to argue the statute of limitations has passed and the debt is no longer collectible. Other angles include examining the credit card company’s service of complaint as well as whether the claim was incomplete.

Seeking Affordable Defense? Contact Our Skilled Credit Card Lawsuit Defense Attorney

The Epps Law Group is led by a highly-esteemed legal professional with a sincere commitment to fighting for those in need of comprehensive legal counsel and representation. If you are being sued by a credit card or recovery company, we want you to know you have rights and our credit card lawsuit attorney can protect them. Don’t let these credit card and recovery companies bully you--we will do everything we can to fight back against even the most impossible situations.

To schedule your initial case evaluation with our Cumming credit card lawsuit defense lawyer, contact us at (678) 257-4507.

5-Star Reviews

READ WHAT OUR CLIENTS ARE SAYING ABOUT US
    "Attorney Epps and his paralegal, Elicia, worked wonders for me!"
    Attorney Epps and his paralegal, Elicia, worked wonders for me! It was a really scary time, and they both reassured me and got the best result I could have hoped for for my case.
    - Lucie F.
    "I am so grateful for meeting this man."
    I don’t even know where to start when it comes to Kyle Epps. I walked into his office 3 years ago and the charges I had called for prison time. He gave me an outline on what to do, and of course, I said I’ll do this and this but not that. He pushed me hard and gave me every tool I needed to stay free. Three years later I went to court and walked out just about a free man. Not only didn’t his way work in the courtroom but it’s changed my life in every single way you could imagine. He was very stern, but he totally knew what he was talking about. His plan is 100%, it’s just a person has to do the footwork. He’s very professional and his team is on top of everything so you don’t slip through the crack. I am so grateful for meeting this man, I would not be the person I am today clean and sober if I didn’t walk into that office 3 years ago.
    - Anthony C.
    "Kyle and Elicia were beyond fantastic!"
    Kyle and Elicia were beyond fantastic! I never dreamed like most people that I would be faced with being told I want a divorce, especially after 15 years years. But they were there to make the process as easy as possible and as civil as possible and keep the kids 1st. I eventually made it through still sane all thanks to Kyle and his team. I can't say enough great things and another HUGE plus is they were beyond reasonable cost-wise! They will be my go-to for any other needs in the future.
    - Amy B.
    "I trusted him. This was the best decision I made."
    After researching for several days, I spoke to several attorneys and, The Epps Law Group was my final choice to represent me for my Simple-Battery case. Before I hired this team, I spoke to Attorney Kyle Epps directly, which made a big difference. He outlined a plan for me and said, “if you stick to the plan I give you, you will be ok”. As vague as that response was, I trusted him. This was the best decision I made.

    From the moment I began working with their team, I spoke to one of their Paralegals, Elicia Davis, assigned to my case. I cannot express how knowledgeable, non-judgmental and helpful Elicia was with navigating me through my case. It was my first time dealing with the Forsyth County courts and legal system and I had gone through an emotional rollercoaster for the first couple of months. Elicia checked in constantly throughout the early stages and did everything she could to comfort my anxiety and stick to Attorney Kyle Epps’ plan.

    As promised, I stuck to the plan 100% and I received news that my case was dropped, I no longer needed to go to court and I only need to address a fine and attend classes. I strongly believe that Attorney Epps’ work experience in the Forsyth courts, relationships with the prosecutors, and background as a police officer in Forsyth County gives his clients an advantage. He is well respected and is more than familiar with the process. His plan works and I honestly believe I would not have had the same outcome if I did not have The Epps Law Group on my side.
    - Earl A.
    "Good work, Kyle, and thanks again!"
    Kyle did his job well for me. I was struck with a DUI last year. Knowing nothing about this I hired Kyle, due to his extensive background in law enforcement and the knowledge he provided. He laid out everything about the case during our free consultation, and it made sense. He saved my license by calling for an ALS hearing and got my charge knocked down to reckless driving. I would never have been able to do that myself, especially with an already busy schedule. Good work, Kyle, and thanks again!
    - Dylan P.
    "Kyle was amazing to work with!"
    Kyle was amazing to work with! He highly exceeded my expectations and was very friendly and helpful. I have had other family members work with him and he has been overly helpful and an amazing experience to work with!!
    - Molly P.
    "Kyle did a great job on my daughter’s case, and we are very thankful."
    Kyle did a great job on my daughter’s case, and we are very thankful. Things would have been much different had we not had him as our attorney. Communicating with his office is so easy. They have a client portal that you can log into to see appointments, documents, and messages. Elicia, his paralegal, is a pleasure to deal with as well. Highly recommend Kyle.
    - Diane K.
    "He exceeded my expectations at every point."
    Kyle helped me with a family law matter and also with having a stolen car returned. He exceeded my expectations at every point. He was always available, thoughtful, knowledgeable, courteous and matter of fact. From the beginning, I always felt he had my back. If any of my friends, family, or acquaintances ever need an attorney, I will recommend Kyle.
    - Paul P.
Uniquely Experienced Defense Attorney

With a background as a police officer, prosecutor, and Judge Pro Tem, The Epps Law Group can provide you or your loved one with detailed and trusted representation. Our attorney has been involved in the criminal justice system for more than 30 years. Put our experience on your side.


 

Why Choose Us?

See What Sets Us Apart
  • Dedicated Team
    Skillful legal counsel that carefully and meticulously examines all aspects of the case for critical information.
  • Unquestioned Integrity
    A reputation of treating judges and prosecutors with honesty allowing him to be taken seriously when it could matter the most.
  • Former Police Officer
    The knowledge that comes from a former police officer to serve clients needing accomplished criminal defense representation.
  • 30 Years of Experience
    Over 30 years of legal experience as a prosecutor and Judge Pro Tem, we can use insights from that experience to help you.