Just because someone accepts a plea bargain does not mean that they are guilty. Doesn't anyone here watch TV? It seems quite common that people are painted into a corner and offered a choice 1) Accept a plea to a lower charge, and maybe spend 2 years in jail or 2) Take the risk of trial and maybe spend life in jail. Sometimes innocent people take the plea.

I'm simply trying to determine what is the risk of various choices.

What would make anyone think that the lawyer is an expert in credit cards or that he is accurately factoring the risk of credit worthiness damage.

I'm pretty sure there has to be someone on this forum that has had experience with large credit card charge-backs.

So far, it seems like none of those people have either seen, or are participating in this thread.

All defendants are presumed innocent until proven otherwise thru the process of a trial. Even the dramatized TV shows do not distort this part.
Only being ignorant that a truly innocent person would take the plea. I am sure you are not one of those - neither ignorant nor innocent, as you are already calculating your odds before you proceed.

Then spend some real money to hire a lawyer who is well-versed in credit card field. Why would you engage a lawyer's service for something he is not an expert? It does not make any sense, especially if it is related to a business dealing. Besides, nobody in his right mind would think a possible consequence on one's credit report would worth "eating" $25K wrong charge. The whole thing just stinks like week's old dead fish.

May be because no one would try to pull a scam like this? And if anyone does, would not be foolish enough to post it on a public internet forum?

This thing just screams fraud. And, the sumb kind of fraud which doesn't work at that.

OP, you should just delete the post, this is not the right place to ask questions like this. By asking the question at all, you are seeking information that encourage others to commit FRAUD.!!!

I don't watch TV, its does not offer meaningful content that one can ponder on.

What make a lawyer an expert in credit cards is that he/she have the ability to read and comprehend the card member agreement.

Happy, we have a major failure of communication. I know you to be an honest, knowledgeable person, so it is inconceivable that I could believe that you really think that only guilty or ignorant people accept plea bargains.

On a disturbingly frequent basis, innocent people, not only accept plea bargains in civil and criminal cases, there are tons of examples of 100% guaranteed innocent people that will write out written confessions to a crime, describing how they committed the crime. There are video taped confessions of people saying they committed crimes that it is impossible for them to commit, and these are fully functional "normal" people.

Take this example of a man who has been proven innocent, and yet he was willing to say he committed the crime in order to be released from jail.

https://www.change.org/petitions/par...n-innocent-man

You are saying that he must be ignorant or guilty because he accepted the plea?

There are "ambulance chasers" who will file frivolous lawsuits, knowing full well that there is a low probability of success, and they do it because there are situations where innocent people will settle cases instead of taking the time and money to contest the case. This does not make them "ignorant".

I think Distilled summed it best for me, and it's worth repeating:

"While my comments may have been interpreted as conjecture about what the credit card company may do, they were not intended that way. Instead, it was meant to be a comment that falsely reporting a charge to a card as incorrect is fraud in itself. It is the wrong thing to do. In that respect, once we all agree that wrongly reporting an accurate charge as incorrect, there is no reason to conjecture about what the card company might do in response. I am all in favor of knowing the rules and using them to the most advantage that one can, but knowingly filing a false report is not within that category. "

You either authorized the charge or you didn't. If you have a problem with your vendors/suppliers, surely you could work out a solution. For larger sums of money, surely you have contracts in place to protect your interest and lawyers that would help recover your funds for non-delivery of goods or services?

Something doesn't sound right, and FWIW, I don't care if the amount in question is $500 or $15k, the same response applies.

What does this to do with your intention to file dispute of a $25K charge on your credit card?

Not much. I was addressing what I considered a preposterous statement.

Do you really believe that?!

It's kind of ironic you should state this considering your attack on op.

The above is true.


Plea bargain is not the word for what happens in civil cases. That's called a settlement. And businesses and individuals do settle sometimes as a calculation...

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new to the thread, my 2 cents. It sounds like you want to commit fraud. Otherwise, we should hear more details about what happened you are trying to chargeback....