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Credit Card Lawsuit Basic Information: Explaining The Defendant

Credit Card Lawsuit Basic Information: Explaining The Defendant

If a credit card company, junk debt buyer or collection agency files a lawsuit against a delinquent debtor; he or she will be served with a court-ordered summons and Complaint, to which all allegations are listed. If you are served with a summons, then you are considered as the defendant in the credit card lawsuit.

It is important to check the summons, as well as your local court rules to determine how much time you have until you file a proper Answer to the credit card lawsuit. In most states, defendants are given 20 days to respond to the summons and to avoid paying for the debt with interest and penalty charges as well as your creditor’s legal fees; you need to answer the summons ON TIME!

All court systems across the country have different systems so to be on the safe side, you need to check your local court rules.

If you are defending yourself in court, make sure to check the legal format for the Answer, as courts do not allow handwritten Answer to the credit card lawsuit. Each court has its own legal format on documents and all defendants and plaintiffs have to comply with the imposed format.

Make sure to compose a correct response to a summons. A great guide like Answering a Summons can walk you through it as well as provide you effective strategies and essential information you need to know when the credit card lawsuit is in place. Click here to order your own copy of Answering a Summons.

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