OneMain Financial Lawsuits

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OneMain Financial issues consumer loans to Pennsylvania consumers. It also sues people in Pennsylvania for past-due debt. OneMain also sells deliquent loans to “debt buyers” who then go on to sue consumers. You may be able to win OneMain Financial lawsuits, or you may be able to settle them before a judgment is entered against you.

BCJ Law charges flat fees to defend consumers sued by OneMain Financial. If we don’t get you a favorable result, you won’t owe us attorneys’ fee for our debt defense service. To see if our debt defense attorney can help you, complete our contact form or call 1-800-997-5561.

Why Is OneMain Financial Suing Me?

You may be able to win OneMain Financial lawsuits, or ... settle them before a judgment is entered against you."

OneMain Financial is suing you because it thinks you owe on a debt, likely a past-due personal loan. Most consumers are surprised when they get sued by a finance  company, like OneMain.

Some consumers think they don’t owe the debt because their account was “charged-off.” A charge-off, however, is simply an accounting procedure. It does not mean a debt is no longer owed. Other consumers are surprised about lawsuits because their accounts are so old or because of the excessive interest and fees of loans issued by OneMain Financial.

Why Is A Debt Buyer Suing Me For A OneMain Financial Debt?

OneMain Financial often sells consumer debt to debt buyers, like Midland FundingVelocity InvestmentsCACH LLCPortfolio Recovery Associates, and others. “Debt buyers” generally purchase old consumer debt for pennies on the dollar, then try to collect that debt in full for profit. To learn about debt buyers generally read this post: What is a debt buyer?

BCJ Law has a very high success rate against debt buyers, as they usually don’t have the evidence or witnesses required to win debt collection lawsuits in Pennsylvania. If you’re getting sued by a debt buyer on a OneMain Financial debt, complete our contact form or call BCJ Law’s debt defense attorney at 1-800-997-5561.

Can I Win If I Get Sued By OneMain Financial?

You may be able to win a OneMain Financial lawsuit if it doesn’t have the evidence to prove its case. In Pennsylvania, finance companies need the following evidence to get a judgment in court:

  • Contracts: these documents are necessary to prove the interest fees, and terms agreed to by the parties.
  • Account Statements: these documents are necessary to prove the interest, fees, charges, debits, credits, and other amounts that make up the debt at issue.
  • Witnesses: witnesses are required to authenticate the contracts and account statements,and testify how these documents apply to the account and debt at issue.

If OneMain doesn’t bring the documents or witnesses it needs, you should win and they should lose.

You also may be able to win a OneMain Financial lawsuit or off-set what you owe if there was misconduct involved with the origination of your loan. Here are some of the more common issues consumers have with finance companies:

  • Unlawful Interest and Fees: interest rates for Pennsylvania personal loans are around 24%, with APRs capped at about 27%. Service charges and fees also are capped at certain amounts.
  • Unnecessary Insurance: OneMain can't sell you useless credit insurance, like credit unemployment insurance, credit life insurance, or credit disability insurance that provides no benefit. OneMain also can't condition a loan on the purchase of credit insurance
  • Truth-in-Lending Violations: the finance charge, amount financed, APR, total, and other amounts listed on your loan documents must be accurate. Interest, fees, charges, and principal can't be mislabelled or deceptively disclosed.
  • Forcing Electronic Payments: OneMain can't condition loans on electronic payments and it must meet specific requirements if it wants to take preauthorized transfers from your account.

What Are My Chances Of Winning A OneMain Financial Lawsuit?

To gauge your chance of success in a particular case, we evaluate numerous factors, including but not limited to:

  • The amount at issue.
  • The type of account at issue.
  • The attorneys representing OneMain Financial.
  • The court in which your case is pending.
  • The county in which your case is pending.

To see your chance of success, call us today at 1-800-997-5561. You also can complete our contact form to get a free case evaluation.

What Kind Of OneMain Financial Lawsuits Do You Defend?

We defend many types of debt lawsuits, including magistrate court collection lawsuitscourt of common pleas collection lawsuitscredit card lawsuitsrepossession lawsuits, and other types of debt collection lawsuits.

Most of our debt defense work is focused in Western Pennsylvania, including the following counties: Allegheny (Pittsburgh), Armstrong (Kittanning) Beaver (Beaver), Butler (Butler), Cambria (Ebensberg), Erie (Erie), Fayette (Uniontown) Westmoreland (Greensburg), and Washington (Washington). We also accept work outside Western Pennsylvania if we are able.

How Can You Help If I'm Getting Sued By OneMain Financial?

We can help if you’re getting sued by OneMain Financial either by defending your case to win outright or with settlement in mind. Creditor lawsuits often are more difficult to win than other types of debt collection lawsuits. That said, there are circumstances in which we can win creditor lawsuits outright.

Most times, you won’t have to attend any court hearings and we will do most of the work. In fact, most of our clients don’t have to leave their home for us to represent them. To learn more about our services, visit our debt defense page.

You Have Rights, Even If OneMain Is Suing You.

Even if OneMain Financial is suing you, you still have legal rights. For instance, OneMain can’t sue you for a time-barred debt. It also can’t harass you over the phone. Furthermore, OneMain is prohibited from making false or deceptive statements in letters it may send you.

To learn more about dealing with creditors and the debt collectors or debt collection attorneys they hire, visit our dealing with debt collectors page. To learn about your debt collection rights and see how we can help if your rights were violated, visit our debt collection harassment page.

Hire BCJ Law To Win!

If you’re getting sued by OneMain Financial, please contact us. BCJ Law charges flat fees for our debt defense service. Most importantly, we don’t get paid unless we get you a favorable result. Please fill out our contact form or call 1-800-997-5561 to see if our debt defense attorney can help you.

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