Most consumer law problems arise when the financial institution says you missed a payment or tries to charge you for insurance you don't need. Then the calls and dun letters start. There are also specific state and federal laws that apply to those calls and letters--and those calls and dun letters are eventually followed with a notice that you have been sued. 

The Cruz Law Firm may be able help you with these consumer law problems to prevent you from being sued by reviewing letters you receive. We determine if the account is correct, if a settlement can be made or if there's a mistake or identity fraud. If you have been sued and did not file an answer, most likely your creditor has already taken what is called a default judgment. At that point in time you are likely to be garnished; meaning whoever sued you tells your bank to give them your money. State law only requires notice be mailed to you on the day the bank gets notice and gives your creditor money out of your bank account. You won't know until it's too late. Even then it may still be possible to reach some settlement to get the lawsuit off your credit report. 

Bankruptcy is usually always an option if no settlement is possible, and bankruptcy may be the only option in some cases, but bankruptcy itself goes on your credit report, so trying to settle credit accounts without filing bankruptcy is worth trying.