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Speak with a Credit Card Debt Attorney Before Giving in to Default Judgment

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While causing illness to millions and taking the lives of hundreds of thousands of people, COVID-19 also caused more complex debt problems than ever for so many Americans. Previous to the viral pandemic, debt was a growing issue—and especially as household and consumer debt continued to break records quarter after quarter. With the arrival of a deadly virus, both health and finances were in the spotlight.

Even in the best of times, credit card debt can easily take over. Of course, as COVID swept the nation, tens of millions of Americans lost their jobs or lost so many hours at work that it became extremely challenging to pay the bills. Along with loss of jobs came loss of health insurance too. While far too many US citizens live paycheck-to-paycheck and a surprisingly small percentage have emergency funds to fall back on, those with available credit card balances were forced to use them for the basics, as well as co-pays, prescriptions, and even for covering entire medical procedures.

If you are worried about credit card debt, speak with an experienced credit card debt attorney from Fitzgerald & Campbell, APLC as soon as possible to discuss your options. Currently, the climate is excellent for reaching out to creditors and debt collection agencies for negotiating of debts. If you have been served with a summons and complaint, seeking legal advice is even more critical. This is especially true if you only have 20 to 30 days to respond. Without such action, you could make yourself vulnerable to further legal action like a default judgment.

Taking proactive measures and working with a skilled attorney will save you a lot of trouble in the end. Avoiding a default judgment also means avoiding loss of disposable income up to 25 percent with wage garnishments, loss of personal property through seizure by local law enforcement, and even loss of control over checking accounts. Even if you don’t feel like you have anything to lose right now, keep in mind that you are not alone, and this is not the time to try and take care of legal issues on your own either—especially with the potential for a default judgment following you around for 20 years.

Speak with an attorney from Fitzgerald & Campbell, APLC as soon as possible to examine your options. 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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