Here in TX at least there are lawyers that only do business with CC companies for suing card holders apparently. I did enlist council that deals with this so most of what I know is from dealing with being sued and represented. There are lawyers that all they do is defend card holders. It's a big racket. We did end up settling for about 1/2 of the amount. Raising a credit score takes time, but 3 years after the settlement my score was back up around 720 and currently mid 700s. I doubt it will go higher until two late house payments 5 years ago from my ex-wife drop off (in two years) after she took full possession of our home in a divorce. Been married twice and twice had woman f'up my credit. I won't share credit with a woman ever again or even a bank account...no thanks.
