what does attorney placement pending notice from discover card mean

received a letter from my credit card company with the subject: ATTORNEY PLACEMENT PENDING. It said they have been authorized to proceed with legal action to secure the balance I currently owe them and that if I don't contact them by a certain date my account "will be forwarded to an Attorney to obtain a judgement against me".

Full Answer

What time does the cardmember support office open?

Hours: Monday-Friday 8:00 am to 9:00 pm, and Saturday 8:00 am to 12:00 pm Eastern time or at Cardmembersupport.com .

Can Discover be beaten in court?

It's too early to tell, since we don't know for sure what records they will bring to court, but based on past reports about Discover, you likely have no shot at beating them in court. Some have reported success in using arbitration to leverage more favorable settlement terms, but this means you have to be able to bring something to the bargaining table - somewhere in the neighborhood of 40% of the debt amount. Otherwise arbitration is a complete waste of time for everyone.

3 attorney answers

The attorney can be contacted to discuss the matter. It cannot be said for certain whether that will stop the filing of a lawsuit, if it has not already been filed. Generally, the matter will come down to whether the debt can be paid.

Tina Louise Brown

You can certainly contact the attorney but the letter may all be a scare tactic.

Penny Hays Cauley

Whether it is "legit" depends on if the law firm is in state or out of state. Only an attorney licensed in your state can file a suit against you on behalf of the plaintiff. Some law firms are nothing more than glorified collection agencies. If the law firm is from out of state, then it is unlikely that lawsuit is imminent...