What if ignoring that lawsuit notice in your mailbox is the worst financial move you could make? Every year, thousands of Texans get sued over credit card debt—and many assume there’s no way out. But that’s changing. Those who do fight back often discover they have more legal leverage than they thought.

We’re seeing more people standing up to credit card lawsuits—and walking away with reduced debt, dismissed cases, or affordable settlements. The Law Office of Joel Gonzalez, a debt relief law firm based in Corpus Christi, helps clients take control of these lawsuits instead of letting them spiral.

In this blog, we’ll look at why more Texans are pushing back and the legal tactics that are working.

Why Lawsuits Over Credit Card Debt Are Often Flawed

Credit card companies and third-party debt buyers file lawsuits with surprising frequency. But they often rely on missing or incomplete documentation. When challenged, these lawsuits can fall apart.

Common issues include:

  • Lack of original signed agreement
  • Incomplete payment history
  • Wrong amounts claimed
  • Wrong person sued

If we question the accuracy of the lawsuit, we shift the burden of proof to the creditor—who may not be able to meet it.

Here’s what you should do first after getting sued by a credit card company. (please link to LFPA1)

Legal Defenses That Work

Texas courts require collectors to prove their claims. That gives us room to use defenses that force them to back off.

Some of the strongest defenses include:

  • Statute of limitations:If too much time has passed, the lawsuit is legally barred.
  • Lack of standing:The party suing may not even legally own the debt.
  • Incorrect amount:Many suits ask for inflated or miscalculated sums.
  • Improper service:If the lawsuit wasn’t served correctly, we can challenge it on procedural grounds.
  • Identity errors:Sometimes people are sued for debt they never owed.

Each of these defenses can lead to the case being dismissed or the amount significantly reduced.

A woman holding a credit card
While you can represent yourself in a credit card lawsuit, having an experienced debt collection relief attorney in Texas can significantly improve your chances of success

We Don’t Have to Face These Lawsuits Alone

When we respond quickly and with the right strategy, credit card lawsuits become manageable. Hiring a debt relief service early can make all the difference. Many Corpus Christi residents have found that with the right help, what seemed like a legal dead-end can become an opportunity for credit card debt relief.

Think You Can’t Win Against a Credit Card Lawsuit? Think Again.

We’ve seen time and again that fighting back works—especially when we know our rights and get legal help fast. If you’re being sued over credit card debt or looking for credit card lawsuit defense in Texas, don’t wait for a default judgment to hit you.

The Law Office of Joel Gonzalez focuses on helping clients challenge unfair debt collection suits and negotiate realistic outcomes. As a solo attorney with deep experience in debt relief service cases in Corpus Christi, Joel Gonzalez gives every case his full attention.

Contact us today to protect your rights and see what real credit card debt relief looks like.