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Credo Legal will challenge invalid credit card debts, defend your consumer rights, and fight against aggressive collection harassment. If you're drowning in high-interest credit card payments or facing a lawsuit, we're here to help.
Get a Free Case EvaluationAt Credo Legal, we don't just negotiate your credit card debt, we challenge it legally. Our experienced attorneys use federal consumer protection laws like the Fair Debt Collection Practices Act (FDCPA) to*:
1. Evaluate whether the debt collector can legally enforce the debt: We challenge the validity of your debt and pursue legal appropriate remedies based on the specific facts of your case.
2. Fight against collector harassment: Illegal calls, threats, and workplace contact violations
3. Defend you in court: Legal advice which may include full representation if you've been sued by credit card companies or debt buyers.
4. Hold creditors accountable: When they violate your rights under federal law.
*In some cases, when a creditor cannot substantiate a claim, the debt may become unenforceable or subject to removal from collections. Results depend on the specific circumstances. Prior results do not guarantee a similar outcome.
See If You Qualify for Free
Credo Legal takes a legal approach to resolve your credit card debt which differs from non-lawyer debt settlement services:
✅ Attorney assistance from Day One:
You get real lawyers, not salespeople or counselors
✅ We Challenge Debt Validity
Many credit card debts lack proper documentation. We demand proof.
✅ Debt removal from Credit Report
If debts are invalidated, they're removed from your credit report
✅ Protection from Lawsuits
Our attorneys assist you if credit card companies sue
✅ Flexible Payment Plans
Affordable installment options that fit your budget
1. Collection Harassment:
Constant calls at work, threats, family contact - all violations of the FDCPA
2. Credit Card Lawsuits:
Being sued by original creditors, debt buyers, or collection agencies
3. Invalid or "Zombie" Debts:
Old credit card debts that collectors can't properly validate
4. High-Interest Rate Exploitation:
Unaffordable payments due to excessive interest charges
5. Identity Theft & Fraudulent Charges:
Credit card debts you never authorized
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Share your situation, and we’ll
explain how we can help.
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We review your debts for violations and invalidation opportunities.
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Our attorneys defend you from creditor harassment and lawsuits.
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Through litigation or settlement, we work toward the best possible outcome.
The Consumer Protection Laws protect you from abusive debt collection practices. Credit card collectors cannot:
If a violation is proven, these consumer protection laws allow courts to award up to $1,000 in statutory damages, plus attorney’s fees.
Credo Legal's credit card debt relief program is designed for people struggling with:
Note: This program covers unsecured debts only. Secured debts like mortgages and auto loans are not eligible.
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Our Team is always happy to help.
Debt settlement companies typically negotiate with creditors to reduce the total amount owed. As a law firm, we provide legal representation and evaluate whether a creditor can legally enforce a debt under applicable federal and state laws. Depending on the specific facts of your case, this may include challenging documentation, asserting consumer protection defenses, or negotiating a resolution. Outcomes vary based on the circumstances, and not all debts can be challenged or eliminated.
Our attorneys can assist you in court and challenge the creditor's case.
We offer flexible payment plans and free initial consultation.
We handle unsecured consumer debts including credit cards, medical bills, personal loans, and payday loans.
Don't let credit card companies and collectors push you around. Our experienced attorneys are ready to fight for your rights and help you find real relief.
Submit your information for a no-cost consultation to determine whether we may be able to assist.
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This is for informational purposes only and does not constitute legal advice.Submitting a form or contacting us
does not create an attorney-client relationship. An attorney-client relationship is formed only after a written agreement is signed.
We do not provide credit repair services. Prior results do not guarantee a similar outcome.
Attorney Advertising: Prior results do not guarantee a similar outcome.
The information on this website is for informational purposes only and is not legal advice. Viewing this site does not create an attorney–client relationship. Please consult an attorney for advice regarding your specific situation.
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