Mistakes to Avoid When Being Sued by Credit Card Company

If you are one of the thousands of debtors being sued by a credit card company for unpaid debts, it's important to remember what you should NOT do when you are dealing with your creditor in court. In this article, we will discuss some of the most common mistakes debtors make when being sued by a credit card company:

Ignoring The Summons

Ignoring your problems will not make them go away and ignoring court-ordered notices will certainly prove to be one of the most expensive mistakes you will ever make. Junk debt buyers and collection agencies expect delinquent debtors to not respond to the summons and ignore the problem until they receive a default judgment by the court for the lack of response from the defendant (that's you). This will give them the right to access your banking, employment and personal information, freeze your savings, garnish your debts or even put liens on your assets. So when being sued by your credit card company, make sure to respond accordingly within the given period by the court.

Not Monitoring Your Credit

Many creditors will try not to use the Sherriff to serve the summons and instead, will use a special process server so the debtor will either not receive the summons at all or won't have enough time to answer the summons. Other creditors will sit on the judgment and wait for years to execute on it through a surprise wage attachment. For this reason, it is important to keep an eye on your credit to prevent any of these from happening.

Not Familiarizing Yourself with Local Court Rules

Note that different courts across the country have different guidelines and procedures. Regardless if you plan on hiring an attorney or defending yourself Pro Se, you need to check with local court rules. One of the most important court rules when being sued by credit card company is to determine how much time you are given to answer the summons (20 days in most states). This information is something that many creditors will conveniently left out so to be on the safe side, always check with court rules in your state when being sued by credit card company.

Are you being sued by your credit card company for unpaid debts? If you are one of the thousands of Americans facing credit card lawsuit, it's important to get informed to build your case, defend yourself in court and win your case. You'd be surprised at how easy it is to defend yourself Pro Se. Click here to learn more.