Our experienced attorneys defend consumers nationwide against credit card companies and debt collectors — helping you stop harassment, protect your rights, and often settle debt for less than you owe.
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Creditors move quickly once a lawsuit is filed. Acting now could mean the difference between a dismissed case and a judgment against you.
Get Help NowHow to Protect Yourself From a Debt Lawsuit
Creditors move quickly once a lawsuit is filed. Acting now could mean the difference between a dismissed case and a judgment against you.
If you've been sued by a creditor or debt buyer, time is critical. Ignoring a lawsuit can lead to a default judgment, wage garnishment, or frozen bank accounts. But with the right legal defense, many of these cases can be dismissed or settled for less than what's claimed.
Debt lawsuits move quickly, and having an attorney early can make all the difference. At New Path Law Firm, we handle everything — from filing your response to negotiating with creditors and appearing in court on your behalf. Our flat-fee pricing means you'll know exactly what to expect with no hourly surprises.
An attorney can file your response and raise valid defenses — including challenging the accuracy, amount, or ownership of the debt. Many creditors and debt buyers lack proper documentation, which can lead to a case dismissal when properly challenged.
Not every case goes to trial. Our legal team works strategically to settle debts for less or, when necessary, fight for dismissal in court. Either way, our goal is the same — to protect your rights and save you money.
Below, we highlight which creditors file the most lawsuits, why they do it, and how our attorney-led team can help you fight back and protect your rights.
Capital One is one of the most active credit card issuers in filing lawsuits against consumers who fall behind on payments. They often take legal action even for smaller balances, and once a judgment is entered, they may garnish wages or freeze bank accounts depending on state law.
Discover Bank is known for being aggressive in pursuing credit card lawsuits. They typically use internal legal teams or contract law firms to file suits against borrowers who fail to meet payment obligations.
Citibank frequently sues consumers for unpaid credit card balances. They often pursue collection through litigation and may seek post-judgment remedies like wage garnishment or bank levies.
Bank of America aggressively pursues lawsuits for delinquent credit card accounts, regardless of the balance amount. Once a judgment is entered, they actively move to enforce court orders.
While not a traditional credit card issuer, Conn's Appliances files thousands of debt collection lawsuits each year. They specialize in financing large purchases and aggressively pursue missed payments on installment loans and store credit accounts.
American Express has a long-standing reputation for being one of the most aggressive creditors when it comes to debt collection lawsuits. They often litigate through in-house counsel or external law firms to recover unpaid balances.
Chase Bank is slightly less aggressive than some competitors, but they still file a large number of lawsuits against defaulting cardholders. These cases often involve higher-balance accounts or repeat delinquencies.
Synchrony Bank, which manages many store and retail credit cards, is one of the top filers of credit card lawsuits in the U.S. They often pursue consumers for smaller balances through local courts.
When credit card companies and lenders can't collect on overdue balances, they often sell those accounts to third-party debt buyers for a fraction of the original amount. These companies then file debt collection lawsuits to recover the full balance — plus interest and fees.
Portfolio Recovery Associates, also known as PRA Group, is one of the largest debt buyers in the United States. They aggressively sue consumers to collect on purchased debts — often accounts that are only a few years old.
CACH, LLC is a large debt buyer that purchases delinquent credit card accounts and personal loans from major lenders.
Jefferson Capital Systems is another large debt buyer that purchases delinquent credit card and loan accounts and frequently sues consumers to recover balances. Their cases often rely on limited account records, which can make them vulnerable to legal defenses.
Velocity Investments LLC focuses on collecting delinquent personal loans and credit card debts, often through court judgments. They are known for filing lawsuits quickly after acquiring accounts.
Cavalry SPV I frequently files lawsuits to recover older debts purchased at significant discounts from original creditors. They often work with law firms across multiple states to pursue judgments.
LVNV Funding LLC is widely known for buying charged-off credit card accounts from major banks and filing lawsuits to collect the full amount owed. Many of these lawsuits lack complete documentation, which gives consumers a chance to challenge the claim with the help of an attorney.
Portfolio Recovery Associates, also known as PRA Group, is one of the largest debt buyers in the United States. They aggressively sue consumers to collect on purchased debts — often accounts that are only a few years old.
Midland Credit Management (MCM) is part of the Encore Capital Group — one of the largest debt collection companies in the country.
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