Civil Litigation

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What is Civil Litigation?

Civil cases involve legal conflicts among individuals, businesses, corporations, partnerships and governmental entities. Most civil cases are the result of personal injury, property damage, medical malpractice or contract disputes.

If you have been sued or are considering filing a lawsuit of your own, contact us for a free initial consultation about your case. In addition to general civil cases, Carl Retter has experience in personal injury and wrongful death lawsuits.

Credit Card & Debt Collection Lawsuits

If you’ve been sued by a bank, credit card company, third-party debt buyer or other creditor, we can help. It is urgent that you contact an attorney right away because your time to respond to such a lawsuit is very limited. Failure to adequately respond & defend a debt collection lawsuit can result in a default judgment against you that paves the way to garnishment and other collection actions.

  • Carl represented clients Alberto and Arlene Santos after they had been sued by a debt collector. The case, MERTOLA LLC v. ALBERTO SANTOS was finally decided in 2018 in favor of the Santos’. The results of this case changed the law in Arizona regarding the statute of limitations for credit card debt.

HELOC or Second Mortgage Lawsuit

When faced with a mortgage lawsuit by a big bank, it can be very intimidating for many borrowers.  In fact, some borrowers assume that they have no defense and don’t even contest the lawsuit.  They end up with a default judgment against them, which paves the way for the bank to garnish wages and bank accounts.  You should never let a HELOC or second mortgage lawsuit in Arizona go to a default judgment.  Here’s why:

Arizona has some of the most borrower-friendly laws around when it comes to mortgage debt.  If you lost your home to foreclosure and it had a HELOC or second mortgage on it at the time, and now that bank is coming after you, there is hope.

Contact Information


2415 E. Camelback Road, Suite 700
Phoenix, AZ 85016

Office: (480) 766-3777
Fax: (480) 946-0177