How Do I Start a Credit Card Class Action Lawsuit? (Part A)

If you feel that you have been the victim of unethical credit card lending practices, such as an unexpected rate increase or overcharges, you may have a valid case for a credit card class action lawsuit.

What is a class action lawsuit?

A class action lawsuit is brought on by a group of people who feel they have been wronged, cheated, or mislead by the unethical practices of a company or employer they trusted. The advantage of a class action lawsuit as opposed to an individual lawsuit is that, under the presumption of "strength in numbers," a class action is representative of an entire class of people who have the same type of complaint.

This legal mechanism gives common consumers and individuals the ability to come together against large financial institutions and corporations, even when the corporation in question has millions of dollars in resources at their disposal.

How do I start a credit card class action lawsuit?

The first step in filing a class action lawsuit is to gather all documents that pertain to your case.

In a credit card class action case this would include:

Monthly statements
Promotional mailings
Contract agreements
Any terms of service

If you have any questions about what is necessary in building your case, your class action attorney can help you locate the necessary documents.

The second step is to meet with an experienced class action lawyer, who will go over your documents, review your claim, investigate the story, and determine whether you have a valid credit card class action lawsuit. This process may take weeks or months, but if you are determined to have a valid case, your lawyer will file a Class Action Complaint on your behalf in the proper state or federal court.

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