95% of credit card collection lawsuits result in judgment against the debtor because most debtors do not challenge the case!  Many debtors fail to file an Answer or appear in court and have a default judgment entered against them.  Most debtors don’t know that credit card collection lawsuit attorneys do not have admissible evidence that you owe the debt to the debt collector.  An experienced lawyer knows what questions to ask and what documents to request to assist the defense of your case.  Our experienced credit card defense lawyers can help you win your case by objecting to the improper use of hearsay evidence against you, demanding a chain of ownership that establishes whether the debt collector owns the right to sue on the debt and assist you in determining whether the debt is time barred against collection by a statute of limitations.