Receiving a court summons for unpaid credit card debts is
understandably worrisome. However, this is the kind of situation that could
easily be prevented by being vigilant with your own financial obligations. In
this article, we will discuss the four mistakes you need to avoid once you got
served.
Don’t Ignore the
Summons!
Problems will not go away on their own especially if it
involves a potential lawsuit so never ignore the court summons. In fact, once
you got served, you need to act fast and acknowledge the problem by crafting
your own Answers. Creditors are counting on delinquent borrowers to ignore the
summons so they can follow through with their threats.
That said, do know that some creditors send out fake summons
so if you got served, it’s best to check with your local courthouse and verify
the summons.
Respond to the
Summons Immediately
Don’t let guilt stop you from responding to the summons
within the given time frame indicated on the document you will receive. Even if
your debt is valid, within the SOL and you want to negotiate a deal with your
creditor, you still need to respond to the Summons by crafting your Answers. If
you fail to respond to the summons, your creditor will be granted a default
judgment by the court, you not only lose the case, you are also expected to pay
your creditor’s legal fees.
Not Watching Out For
Dirty Tricks
Your creditor may pull a fast one on you such as suing you
in court rather than using the Sheriff to serve the summons. You should not
tolerate this very sleazy practice. Unfortunately, some delinquent borrowers do
not get to receive their summons because it was handed out improperly using a
special process server instead of a Sherriff. As a result, the borrower won’t
have enough time to respond to the summons and the debt collectors are awarded
with a default judgment.
Not Consulting a
Lawyer
It’s possible to face the lawsuit and defend yourself on
your own. In fact, Answering a Summons is an excellent document that will teach
you everything you need to know about handling this particular situation.
However, you still need to consult an attorney. This way, you will know added
information on how to defend yourself in court when negotiations between you
and your creditor breaks down.
Don’t be a victim of abusive creditors threatening to
garnish your wages or freezing your bank account. Order Answering a Summons
package by clicking here! It’s your ultimate guide to handling any debt claims like a pro!
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