Established Florida and Federal laws have been created, which greatly protect the consumer from unfair and deceptive business practices. The problem is that most people are unaware of their rights.

Credit Card Debt Lawsuit Defense

Since 2011, Attorney Nicholas Russo has specialized in third party credit card debt defense.  The combination of increased consumer debt, exorbitant interest and late fees, poor lending practices and an increase in internet scams has led to a boom in the credit collection and debt buying industry.  Year after year debt buyers like Midland Credit Management (Encore), LVNV Funding, Portfolio Recovery Associates and Cavalry are making records profits off the backs of typically hardworking Americans.

These collection companies buy unpaid debts for pennies on the dollar and then try to collect the entire amount owed by the person in debt (debtor).  As a business decision many times the debt buyer fails to obtain the necessary paperwork to actually prove the elements of the lawsuits filed against thousands of consumers.  In certain situations we have shown that the debt collectors knew that the amount the collector claimed owed was inflated and nowhere close to being the accurate amount actually owed.   We have successfully handled over 2000 debt collection cases, prevailed at trial and have successfully eliminated over 5 million dollars of consumer credit card debt.

Having successfully defended over 2000 cases, Attorney Nicholas Russo has establish a reputation with the debt buyers.  The debt buyers fully understand that if they do not dismiss the case as offered by Nicholas Russo prior to litigating the case, then Mr. Russo will take the collector to trial, subjecting the collector to Mr. Russo's fully attorney's fees and costs.  Mr. Russo has never lost a trial.