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Court Summons for Credit Card Debt: Take Immediate Action

Court Summons for Credit Card Debt: Take Immediate Action

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) won’t 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, don’t 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.

9,193 Responses to “Court Summons for Credit Card Debt: Take Immediate Action”

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