What To Do When Being Sued by Credit Card Company

Sued by creditors or debt collection agencies for unpaid credit card debts? You are not alone. Understandably, not what to do when being sued by credit card company is a nerve-wracking experience. I know because I’ve been there. And I won my case against my creditor. It all boils down to learning how to respond to a summons correctly and knowing to do this within the given period of time.

For most debtors who do not know what to do when being suedby credit card company, here are a few pointers.

Always file a Request for Documents so the necessary documents will be handed for verification purposes. In collection lawsuits, creditors will ask for the Credit Card contract, the application, the copies of payments you made to your original creditors, credit card statements and any documents that may be useful to the case. However, answering any of these requests may be your undoing but basically, answering the request will depend largely on you.

So what to do when being sued by credit card company and they ask for documents that can clearly cause your case to go in their favor? The only way to avoid being forced to hand down the documents is to object to all document requests from the plaintiff.

Let’s be real, if you send all the documents they asked from you, you are literally helping your creditor beat you in court! If they proved that the debt in questions is yours, they will get a default judgment and get access to your bank account, get your money and even garnish your wages!

The fact is, creditors will try to trick debtors who do not know what to do when being sued by credit card company, asking for old credit card documents in an effort to build their own case and pin the debt to you. So no matter how much the plaintiff try to make you give up these documents, don’t be too quick to hand them over!

There are many ways to learn what to do when being sued by credit card company. The key is to get as much information as you can about dealing with the situation first rather than ignoring the problem all together. The last thing you want is for your creditor to be awarded with a default judgment as this will give them legal rights to collect every penny of the debt from you, one way or another.