Credit Card Debt Lawsuit

How to defend a credit card debt lawsuit

Keywords: Credit Card Settlement Lawyer(s), Credit Card Settlement Law Firm(s), Credit Card Settlement Attorney(s)

Thousands of people are sued by credit card companies every single day and it has become somewhat of a huge money earning business for the credit card companies today. Their business model allows them to file collection lawsuits in abundance with an expectation that most people will not do anything and that will let them win the lawsuit by default. And if they win by default then they will be allowed to make their credit card settlement lawyer force payment upon you through wage garnishments and bank account levies.

So, if you are one of those people who have been sued by credit card companies then not doing anything, just like the 98% of people who are sued by the credit card companies, is only going to be a huge problem for you.

This is because when a credit card settlement law firm sues you, and you are not there to defend their claim, then all they have to do is make a claim that you owe them money. And so, without even providing much support for their claim, they will be able to force the payment on you. So, instead, you should access your right as the defendant to challenge any claims made by the credit card company’s credit card settlement attorney. And here is how to defend a credit card debt law suit:

1. Attempt to stay calm

We do understand that it is difficult to stay calm when you are being sued by a credit card company, but that is the first thing you need to do if you want to come with a plan rationally. You must know that nothing terrible is going to happen and if you are ahead of the curve then you will be able to defend yourself properly. Contact your own credit card settlement lawyer, the very moment you receive the notice and talk with him/her to come up with the next step.

2. Identify the plaintiff and the defendant

The second step that you and your credit card settlement law firm need to take is to identify the person who is suing you. This person will be the one whose name you will see before the word ‘Plaintiff’. After you are done with this, you then need to make sure that you are the one who is being sued in this lawsuit and so you are the defendant. But if your name does not appear then you are not appear then you are not the one being sued. On the other hand, if someone else’s name appears beside yours, then they are also being sued alongside you. It can be anyone from your friend to your spouse. After you identify the defendant(s), you should call a meeting with your credit card settlement attorney, to prepare for the lawsuit.

3. Get information about your opposition

With the help of your credit card settlement lawyer, gather information about the credit card settlement law firm representing the credit card company that is suing you. These are the people you will need to communicate with as the creditor will not communicate with you directly anymore. Afterwards, note the name, time, and all the details as to how you got this lawsuit filed in the first place. Remember that you do not have unlimited time on your hands so you will need to plan every step carefully in the timeline. And this is how to defend a credit card debt law suit.

4. Review the claims and gather documents

With the help of your credit card settlement attorney, go through the complaint and make a scrutinized review of the claims made by the credit card company. After that go through your complete credit card history with your lawyer and gather all your records and files, the more, the better. Any document can reveal things that can turn this lawsuit in your favor.

5. Prepare for the lawsuit

Even though it is not mandatory that you should have a defense lawyer to represent you but it is more likely to help you to get a defense lawyer for yourself. As your lawyer will review your documents and find loophole or records of violations of rules by the credit card company that can be used the lawsuit. The lawyer and you will be able to prepare valid defenses and prepare for any viable scenarios that might occur in the court.

6. Show up to the case

Not showing up to the court on the day of your hearing can be devastating for you because regardless of the documents that your lawyer may have, it might still turn things against you. File all the documents that you need to under the strict timeline and show up to the court on the day of your trial.

Following all of these steps will help you stop the credit card companies from winning the court case by default. These reasons can even help you turn the tides in your favor, but at least you will not be charged with the highest possible sum. And this is how to defend a credit card debt law suit.

This content is available for general information only. The information presented is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice. You must secure a lawyer or law firm to obtain proper professional advice.