Legal Question in Credit and Debt Law in California

If you lose there is really nothing you can do. Whether or not you made the charges is a question of fact and the higher court that will hear your appeal will not reverse the trial court's decision with regard to the facts as determined by the judge at the trial. Otherwise, you and every other person being sued would be entitled to a second trial if you lose at the first one. Courts of appeal, with very limited exceptions, only review how the trial courts apply the law to the facts in deciding the case. The appeal may delay enforcement of the judgment but eventually the credit card company will be able to enforce the judgment. You should try to settle the debt if you lose the case. You may have to consider bankruptcy, particularly if you have other debt and have wages that can be garnished or assets that may be taken to satisfy the judgment. I hope you learned something from having represented

yourself and will not try such a foolish thing in the future again if you need to file a

bankruptcy case or have another legal problem of significant importance.

You might have been able to win the case had you obtained the documents as you had requested. You could have served a request for production of documents and gotten the case dismissed if the attorney were unable or unwilling to give you the documents requested before the trial.

The case is over, and you lost. If winning the case was important to you, you should have used an attorney.