What are some of the most common defenses used in credit card dispute resolution?

In Florida, there are a few common defenses that are used in credit card dispute resolution law cases. The first defense is to dispute the validity of the debt itself. This means that the defendant is saying that the debt is not theirs or that the amount is incorrect. Another defense is to argue that the credit card company did not follow the proper procedures when sending out the debt. This might include not giving the defendant enough time to respond to the debt or not including the appropriate paperwork. The third defense is to argue that the credit card company is not the proper party to be enforcing the debt. This can happen if the original creditor who granted the loan sold the debt to a third party or if the debt was incorrect or legally unenforceable. The fourth defense is for the defendant to prove that they already paid off the debt or that the debt was discharged through bankruptcy. This will invalidate the debt and the defendant would not be responsible for having to pay anything. The fifth and final defense is to prove that the credit card company did not follow the Fair Debt Collection Practices Act. This may include trying to collect a debt without providing the defendant with the proper documentation, attempting to collect a debt that has already been discharged, or making threats or using intimidation tactics to try to collect a debt.

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What are some of the most common defenses used in credit card dispute resolution?

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