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The Credit Repair Attorneys of Smith & Garg will fix your credit right!

Our firm can remove items off your credit report such as:

Late Payments
Bankruptcies
Charge Offs
Paid Collections
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Credit Card and Creditor Lawsuit Defense Attorneys

Texas Consumer Defense Attorneys

Credit Card Defense

Where will I get sued?

Your counsel needs to be aware of the creditor’s choice of law clause. Most credit card terms and conditions contain a “choice of law” clause. This type of clause dictates which state laws are applicable to any dispute on the account. For example, Citibank’s choice of law is South Dakota and MBNA’s choice of law is Delaware. Some states like South Dakota, have very liberal lending laws and can charge interest rates much higher than those allowed here in Texas. The United States Supreme Court has ruled that the state in which the lending decision was made is the home state for purposes of imposing interest rates. No coincidence that there are few credit card companies whose home is Texas, where the maximum interest rate is 24%.

If you have been sued by a creditor or if you want to settle an account in an effort to avoid suit, let the consumer attorneys at Smith & Garg help.

Contact the Credit Repair Attorneys at Smith & Garg today to get started!

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The Credit Repair Attorneys of Smith & Garg will fix your credit right!
Home Attorneys Our Locations Credit Repair Method Reading Credit Reports Common Questions Articles Credit Card Defense Resources Contact Us Our firm can remove items off your credit report such as: Late Payments Bankruptcies Charge Offs Paid Collections Foreclosures Incorrect Information Inquiries	Credit Card and Creditor Lawsuit Defense Attorneys Texas Consumer Defense Attorneys Credit Card Defense Where will I get sued? Your counsel needs to be aware of the creditor’s choice of law clause. Most credit card terms and conditions contain a “choice of law” clause. This type of clause dictates which state laws are applicable to any dispute on the account. For example, Citibank’s choice of law is South Dakota and MBNA’s choice of law is Delaware. Some states like South Dakota, have very liberal lending laws and can charge interest rates much higher than those allowed here in Texas. The United States Supreme Court has ruled that the state in which the lending decision was made is the home state for purposes of imposing interest rates. No coincidence that there are few credit card companies whose home is Texas, where the maximum interest rate is 24%. If you have been sued by a creditor or if you want to settle an account in an effort to avoid suit, let the consumer attorneys at Smith & Garg help. *Contact the Credit Repair Attorneys at Smith & Garg today to get started!*
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