What are My Chances of Prevailing?

In any lawsuit, it is important to remember that each party has responsibilities. The party who sued you, the credit card company, must prove their case by a standard call a “preponderance of the evidence.” This basically means that it has to be more likely than not that their facts are true. This is a much lower standard than the criminal standard of “beyond a reasonable doubt.”

In proving their case, the creditor must produce documents (copies of agreements and/or bills sent to you over the life of the entire account). Another way the creditor can prove their case is by having somebody testify as a witness at trial. These documents or the witness help prove that you entered into an agreement with the creditor and that you have in the past acknowledged your obligation with the creditor. An experienced Spring credit repair lawyer can help make sure the credit card company can prove their case and if they cannot, you have a good chance at getting your case dismissed.