Are you being sued by Midland Funding, LVNV, Portfolio Recovery Associates, Discover, Capital One or Citibank in Saint Louis County, Saint Louis City, Saint Charles County or Jefferson County, Missouri?

I CAN HELP YOU.

My FLAT FEES to handle credit card debt cases are LOW.

THINGS YOU SHOULD KNOW:

1. I have years of experience handling credit debt cases.  Through the years, I have developed a system for defending these cases.  I have had to develop an efficient system, because I do not have any support staff.  I can create and file documents very quickly.  My focus on debt litigation defense allows me to take on a lot of cases and keep track of them easily.  So, if you hire me, I will be your only contact and your kind of case is all I will be working on.
2. I do not meet clients at my office.  My home is my office, and you coming to meet me alone in my home probably sounds as creepy to you as it does to me.  So I prefer to meet clients in agreed upon quiet public places.  Also, because I do all of my own work, I cannot answer most phone calls and I may not be in a position or place where I can take a phone call (courts, client meetings and on the road).  However, you will find that I am very accessible.
3. I am accessible to my clients 24/7/365 via text message and email. If you ever become anxious and/or have questions about your case, feel free to contact me.  Text and email are far easier for me, because I can keep track of my communications more effectively and it gives you a record of our interactions.  I try to respond to client emails and texts the same day, if not immediately.
4. The process of litigation is very slow.  There is a lot of “hurry up and wait.”  I enter my appearance and send written discovery to Plaintiff’s attorneys.  Plaintiff’s attorneys have thirty days in which to answer my discovery.  They can ask for extensions of time, and these extensions are routinely approved by the Court.  I usually do not need to contact you regarding your case until something occurs that requires your direct attention.  When Plaintiff sends me discovery that you need to answer, I may contact you for information I need to answer discovery and to give you instructions regarding finalizing your responses to discovery.  This all means that you may not hear from me for one to three months, after you hire me.  Don’t forget that you are welcome to text or email me for updates.  You are welcome to (and you should) track the progress of your case on Missouri  
5. You (the Defendant) and I do not need to disprove Plaintiff’s case.  Plaintiff has the responsibility to prove its case with a preponderance of evidence.  This is why Plaintiffs need to answer my discovery and it’s often the reason why they take so long.
6. After discovery has concluded and I have reviewed Plaintiff’s responses to my discovery, I am able to determine whether or not Plaintiff can prove its case.  In the past five years, third-party debt purchasers have become very good at obtaining and keeping records on the debts that they purchase from creditors.  It is highly likely that Plaintiff will have the proof it needs to prove its case against you.
7. If Plaintiff can prove its case against you, then a trial needs to be avoided, because you do not want Plaintiff to obtain a regular judgment against you.  If Plaintiff gets a judgment against you, then it will execute on that judgment by levying your bank accounts, garnishing your wages or attaching personal property (subject to statutory exemptions) and placing a lien on any real property that you own.  I will work to protect you from getting into this situation by negotiating a lump-sum or multi-payment settlement or negotiating a Consent Judgment that has payment terms that are as beneficial to you as possible (and may save you up to half of what Plaintiff is seeking).
8. You know better than anyone if you owe the debt alleged in Plaintiff’s petition.  I have absolutely no control over your finances.  Hiring me buys you a lot of time to set aside funds for the possible settlement of your case.  I expect you to start reserving money to put towards the settlement of your case.  You should attempt to amass half of the amount pleaded in Plaintiff’s petition.  Successfully making a lump-sum or multi-payment settlement and then paying it, results in Plaintiff dismissing your case with prejudice (meaning it is resolved forever and cannot come back to haunt you).
9. After you hire me, your best interests are my best interests.  I will represent you.  However, I need your authorization before any kind of settlement offer can be made to Plaintiff or before any settlement demand by Plaintiff can be accepted by you.  So, I offer the advice, and you make an informed decision based on that advice.
10. Finally, look me up online at .  Key words in your Google search should be:  stldebtlawyer, stlezticket and Van Leunen Law Firm.