Atlanta Credit Card Lawsuit Defense Attorneys

We are a very advanced level civil  litigation law firm which represents the “little guy” against large corporations, banks, other financial institutions, and sometimes the government.  Our senior partner and firm founder, Charles (“Chuck”) Pekor, started his legal career as a trial attorney with the United States Department of Justice, working out of Washington, D.C., but trying major civil cases in federal courts all over the United States.  Chuck was hired by the Department of Justice under the Attorney General’s Honor Graduate Program, which is only available to law school graduates who graduated in the top 5% of their class (Chuck graduated number 3 in his law school class, Cum Laude).  After that, Chuck served for several years as a senior federal prosecutor in Georgia.  Two other firm members, David Cox, and Kirk Henson, have substantial experience as civil litigation attorneys with large international law firms (the kind of law firm which Pekor & Associates routinely litigates against).

Although we handle many types of cases, one of our primary focuses is representing and defending consumers in consumer debt cases, including individuals being sued for an alleged old credit card debt by a “third party debt collector.” This also includes defending people who have been sued for money allegedly owed after a car repossession, health club membership, and “private” credit cards, and similar things. Many people are being sued for thousands of dollars by companies—known as “third party debt buyer/collectors”—to which they do not owe anything even though they may have in fact owed some amount of money to an original creditor like a bank or credit card company at some time in the past.  Usually these companies will claim to be the current “owner” of the debt or account. While being sued by a debt collector can be a stressful experience, there are legal steps you can take to protect your assets and have the claims against you dismissed. None of our clients have ever had to pay any money to a third party debt collector.  

If you are contacted or sued by one of these credit card or car debt collection companies, the key thing to know is whatever they may tell you, these companies do not want to help you. Our experience is that generally they don’t even care if you are not actually even the correct “debtor” – they just want to extract money from you. Call us for a free consultation before you have any dealings with them, and certainly before you pay them anything, or sign anything they may want you to sign.

Recent results in actual cases:  Chuck Pekor and David Cox recently tried a debt defense case to a jury in Fulton County State Court. Our client had been sued by a “zombie” third-party debt collector for about $8,000.00 on an alleged 5 year old debt. We had filed a counterclaim for our client under the Fair Debt Collection Practices Act and the Fair Business Practices Act. At the close of the debt-collectors case, we were able to have the case against our client dismissed. Then we went forward with our case against the third-party debt collector. The jury found for our client, and actually awarded our client MORE than Chuck had asked for in closing argument. The final judgment – $8,000 suit against our client dismissed, verdict for our client against the debt collector of almost $25,000.00, and after the debt collector appealed the case, the ultimate award collected by Chuck and David in the case was approximately $120,000.We have recovered many thousands of dollars for violations by debt collectors for violations of the FDCPA, and after over six years of representing over 1,000 individuals sued by third-party debt collectors, NO CLIENT OF OURS SUED BY A THIRD PARTY DEBT COLLECTOR HAS EVER PAID ONE PENNY ON THE LAWSUIT – WE GET THEM DISMISSED – AND OFF YOUR BACK PERMANENTLY!(Obviously, there are never any guarantees in the law, however these are our outcomes to date.)We have also won two major credit card collection cases on behalf of consumers in the Georgia Court of Appeals, and one (an appeal from the Court of Appeals) in the Supreme Court.If you are served with legal papers on an old credit card, or anything similar, call us immediately.  The “clock is ticking” – we only have 30 days from the date you were served to file an “answer” with the Court.  We highly recommend that you do NOT try to file an answer yourself, as this can create more problems than it could help.