Who is fia card

Judgment Lien. Credit Report Damage. Property Sold. Do I Need a Lawyer? Without a Lawyer Default Judgment. With a Lawyer Dismissal or Settlement. Our Fees. Meet some of our Lawsuit Staff. We've compiled important information, forms, and data in order to help demystify the process of responding to, and litigating, a debt collection lawsuit. It is currently a wholly owned subsidiary of Bank of America. FIA Card Services also became infamous after it was revealed that the company was engaging in unethical and downright illegal practices while pursuing debts from individuals.

These violations are quite serious and downright disturbing. Because affidavits are signed under penalty of perjury. The OCC determined that FIA Card Services ignored and neglected these legal requirements and, in many instances, the individual signing the affidavit was engaging in a flagrant exercise of unfiltered dishonesty. When a debt collection company like FIA Card Services files a Complaint, you have the chance to provide your side of the story, and point out the serious deficiencies in the debt collector's lawsuit.

The first affirmative defense you should raise is demanding that FIA Card Services prove you are actually the person responsible for the alleged debt. Remember, in a debt collection lawsuit, the debt collection company bear the burden of proving you actually owe the debt.

Skip to content. Who is Fia Card Services? Does the age of your debt put it near the statute of limitations? See: Statute of Limitations by State If you are being sued by FIA Card Services, you probably met certain criteria in these categories that made you a prime target for litigation.

Depending on the state, a creditor with an authorized default judgment will have authority to: Freeze money in your bank account Put a lien on property you own Garnish your wages You can see the importance of a speedy response. Review your own records and determine: Whether you received a validation letter. Whether the amount Fia Card Services states you owe is accurate and whether you truly owe the debt.

If the debt is past the statute of limitations for your state. Pay the Debt in Full This route can prove difficult for many folks. Settle the Debt Before Judgment Settling the debt before a judgment is served is one common response to being sued. Consider Bankruptcy Sometimes when you are sued, bankruptcy is the only logical option. Take No Action In this case, your creditor will probably request the default judgment and will move forward with accessing your funds.

While creditors often try sidestepping this practice, you can obtain documentation by: Sending and receiving information via email. Recording all phone conversations with Fia Card Services, once notifying them.

Sending and receiving information by way of physical mail. Post Author: Kyle Kyle is an independent writer for Ascend who covers a multitude of personal finance related topics. Leave a Reply Cancel reply Your email address will not be published.

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