If you received a court summons for credit card debt, you
are probably wondering when and how to start addressing the problem. The simple
answer would be to answer the court summons for credit card debt right away. Generally, debtors are given
20 days to respond to a summons and failure to respond on time means your
creditor will win their case against you and will gain legal rights to freeze
your bank account and garnish your wages!
If say, you failed to answer the court summons for credit
card debt within the given period and a judgment was filed against you, for any
reason, what is there left to do? How can you stop your creditor from legally
hijacking your bank account and collect your wages?
You need to file a
Motion to Vacate the Judgment.
By filing a Motion to Vacate the Judgment, you are given a
chance to give your reasons as to why you were not able to answer the court
summons for credit card debt on time. Basically, you are asking the court to
dismiss the judgment ruling and start all over again. In most cases, you will
probably receive a court hearing and the plaintiff (your credit card company’s
attorney) will not even show up, and get the case dismissed.
On the other hand, if you have a good reason for not
answering your court summons for credit card debt the first time, do not think
twice and start filing the Motion to Vacate the Judgment. If you failed to ask
for a second chance and the ruling goes in favor of your creditor, you just
gave your creditor the green light to take all your savings straight out of
your own bank account and your paycheck to boot. And these guys don’t mess
around either.
As soon as they get a default judgment on you, they will access
your bank account, get your personal, employment and banking information,
garnish your wages and put liens on your properties!
This is why you need to draft an Answer once you got served
with a court summons for credit card debt or review local court rules to learn
what steps you need to take in order to
win the lawsuit and prevent your creditor from getting the information they
need to find out where you work or where you live.
Want to know more? Click here to order your own copy of the Answering a Summons eDocument package and beat your creditor in court!
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