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Credit Card Lawsuits: Many Consumers Had No Choice

credit card on wallet

While it seemed like we were coming out of the woods for a very short window of time, COVID-19 has ramped up, and with associated variants assailing Americans at nearly every turn it seems—even if they are vaccinated.

For the tens of millions of workers who lost their jobs, the recovery period is still in effect—especially as unemployment benefits decrease or stop altogether with the future now holding many questions. This is especially true for individuals who have been sick or who have been caretaking (and helping with finances) for dependents or aging parents.

With medical bills rolling in, what may have seemed like money problems previously could suddenly become almost insignificant in the face of accelerating and astronomical medical bills. Sadly, that’s no exaggeration as medical debt can even overwhelm even those who have health insurance.

Although a disturbing number of individuals in the US are living paycheck to paycheck, emergency funds are even harder to come by. For those with available balances still left on their credit cards, as spring of 2020 and beyond caused huge health and financial repercussions, there wasn’t even the question of giving in to temptation—people were forced to use absolutely whatever financial means available to pay for the basics like groceries.

If this scenario sounds unfortunately familiar to you, you may have had to use credit cards almost like an alternative form of income. The problem, however, is that credit cards can be run up to the maximum limit extremely fast and creditors will expect to be paid.

If you are worried about credit card delinquencies, or if you are already being sued, contact an attorney from Fitzgerald & Campbell, APLC as soon as possible to discuss your options. This is critical to your future even if you do not have a job or anything to lose at the moment. Without any reply to the lawsuit and no presence in court, a default judgment could be granted against you almost immediately and this is exactly what you want to avoid—especially the potential repercussions like wage garnishments, seizure of property, and loss of control over your own checking account.

Our attorneys have decades of experience in serving clients as they navigate through challenging financial situations, including student loan issuesbankruptcy, and other debt management processes. We are here to help! Click here to schedule a free 30-minute consultation, call us at (844) 431-3851, or email us at

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