Manhattan Credit Card Debt Defense Lawyer

Our Credit Card Debt Services

At Roman & Associates, we draw on years of experience representing consumers to provide comprehensive legal advice for matters governed by the following laws and regulations:

• Fair Credit Billing Act: Creditors are responsible for correcting billing errors with due diligence. We can assert your rights if your creditor has failed to reverse unauthorized charges, charged the wrong amount, charged you for merchandise you never received, failed to post payments and other credits, failed to send bills to your current address before they came due, or failed to provide you with written proof of purchase.
• Fair Debt Collection Practices Act: Creditors are prohibited by law from harassing consumers when trying to collect debts. They are not permitted to release false information about your outstanding debts to anyone, including your employer or a credit reporting agency.
• Fair Credit Reporting Act: As a consumer, you have the right to review your credit score and dispute any mistakes in your credit report. In addition, if you have been a victim of identity theft, you can dispute any of those fraudulent charges. Since interest rates, financing charges, and required deposits are closely tied to your credit score, it is in your best interest to contact us to help resolve these issues.
• Truth in Lending Act: Your creditors are required by law to explain the precise terms of any loan, including the amount being financed, the required minimum monthly payment, the number of payments to be made, and the annual percentage rate (APR). If you discover that a loan you were led to believe was a fixed-rate loan is actually a variable rate loan, you may have a claim against your creditor.
• Real Estate Settlement Procedures Act: Mortgage lenders are not allowed to advertise low interest rates and then charge high rates through their affiliates for a kickback. Such bait-and-switch tactics are illegal. As a consumer, you can sue if you have been a victim of deceptive real estate practices.
• Health Insurance Portability and Accountability Act: Your privacy with regard to your medical history is an enforceable right. Patients who have had this right violated may pursue legal action with the help of Roman & Associates.
• Pure Food and Drug Act: The government regulates labels on food, as well as the manufacture and sale of edible products. If a food product has made you ill, you may have a legal claim against the retailer or manufacturer. We can explain your rights and outline your options.
• Consumer Product Safety Act: If you have been injured by a dangerous or unsafe product, contact us for assistance.
• U.S. National Do Not Call Registry: Registrants with the U.S. National Do Not Call Registry have a right not to receive unsolicited calls from telemarketers. If your right has been violated, we can help you take legal action.

By holding businesses accountable when your rights as a consumer are violated, we can help to make those businesses more accountable to the general public. We are passionate about protecting your rights as a consumer and will do our best to help you seek the compensation you deserve. 

Call Roman & Associates at (888) 643-2460 or contact us online to get started on your consumer debt defense immediately.

Credit Card Debt Defense & Breach of Contract

In cases involving credit card debt and consumer debt, cases typically center around breach of contract claims. This is because when you first obtain a credit card, you sign an agreement (electronically or in writing) that defines you and your credit card company’s rights and responsibilities. Failing to make payments for your credit card typically constitutes a violation of this agreement, or a breach of your contract, and the credit card company may sue you.

Roman & Associates is deeply knowledgeable about this sort of case, and we can help you build a strong defense to combat their case against you. To begin the proceeding, the credit card company will file a complaint that lays out how much you owe. We can help you file an answer to the complaint, whether that means admitting or denying the statement.