90% of credit card lawsuits can't prove borrower owes money (more robo-signing)

[TBF]

11. They can get those judgments removed -

but I completely understand the points about being blindsided and not being able to afford the legal fees.

The cases we had were over probably a 3-yr period and between $500 - $1000 for retainer fee, and eventually all went away. I definitely didn't spend over $5K (that might be a little high). I didn't look into legal aid or anything like that because we wouldn't have qualified. I don't know if there are clinics out there that would take on this type of work?? My only point was that at least you can fight back under Texas law - they can't immediately just start garnishing your paychecks like they can in some states.

The real problem is that these predatory companies are allowed such high interest rates & late fees. We paid off what we could, let some charge off, and eventually our slate is being wiped clean. It has taken as long as bankruptcy though (maybe longer). So many people really don't understand what they are getting into with credit cards. We only carry a few now - one that we use for vacations (Am Ex - paid off monthly), and a couple smaller ones to rebuild our credit a bit. No more endless store cards etc ...