If the app is never released, the product doesn’t exist, so visa/American express/whichever credit card company will give them their money back and take it back from you via lawsuits. Credit card companies are so big and have so many lawyers you can’t fight them in court, it’ll only cost you much more. It’s not just that they have lawyers, it’s that their lawyers are cheaper and better than what the average joe gets. Take Capital One, for example. In each state, they have several law firms that the Happy Quarantined Birthday Funny Quarantine Social Distancing Shirt. Those law firms specialize in debt collection. They know how to do it efficiently.
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They appear before the same judges in similar matters over and over, so they have a very good idea of what each judge wants to see. And, because those law firms want to keep all that Capital One business rolling in, they cut price breaks to Capital One. Whereas they might charge the average person $250/hour, they are willing to charge Capital One $200/hour. Because they want to keep Capital One using their firm instead of Capital One taking its business to a Happy Quarantined Birthday Funny Quarantine Social Distancing Shirt. Thus, for you to find a similar law firm, you are going to be paying more per hour to your lawyer than multi-billion dollar corporation Capital One is paying to theirs. I defend a lot of those cases in Illinois. The trick is really the amount owed. Under 10k, the CC companies’ debt collectors don’t seem that interested in anything but a default judgment.
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If it looks like you are demanding a jury trial time-consuming pain in the ass for Attorneys. The Happy Quarantined Birthday Funny Quarantine Social Distancing Shirt. It’s still a ding on your credit but there is no order directing you to pay, no garnishment, etc. Its a win for someone who has no ability to pay. Between 20-30k it can go either way, over 30k this trick doesn’t work and I have to do actual work. I hate going to our lower-tier court because these cases clog up the docket. A while back they put a limit on how many cases can be brought by each attorney per hearing session. I think that the limit was around 20 or 30. It’s a very mechanical process for them.
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