Debtor Rights

You have the right to understand the terms of a credit card contract before a bank sends you a statement and demands that you pay money.

You have the right to receive the interest rate that was offered to you before a bank sends you a statement and demands that you pay money.

You have the right to dispute a balance on an account and demand that the bank provide your attorney with the original advertising, original disclosure statements, original card member agreement and an explanation as to how their computer arrived at the amount that they claim that you owe.

You have the right to cease making payments under the terms of the contract if the bank breached the contract by changing the terms without you agreeing to the changed terms. Most important, you have the right not to have your credit rating affected or be denied credit by exercising your rights.

Hiring an Attorney

You have taken the right step by seeking an attorney referral with specific expertise in the area of consumer debt. A credit card is a contract between you and a bank. As with all contracts, an attorney should be hired to identify your rights under the contract, defend your rights under the contract and file a lawsuit against any bank, debt collector or credit reporting agency that violates your rights.