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Credit Card Crisis – How Serious is Your Pro...

Many people who owe thousands of dollars in credit cards can no longer pay for them. Eventually, the card provider has no other choice but to file a lawsuit against debtors. Usually, a court summons is sent to the person concerned. Collection attorney are used to debtors that do not respond to court summons to settle credit card debt. The debtor ends up losing the case by default because of his or her failure to respond to...

Facts About Debt Collection You Should Know

Two scenarios play in mind when it comes to debt collection. The first is the debt collector asking for payment because it’s their job and debtors just have to take responsibility for their actions. Then again, there’s abusive debt collectors who will try to embarrass debtors into paying the debt and delight in the other party’s fear of being in an untenable position. Fact is, not all debt collectors and debt collection...

Credit Protection Laws You Need To Know

The recovering economy made it easy for many credit repair companies to make money, turning the industry into a billion dollar business with millions of people paying good money to repair their damaged credit. The good news is, certain laws are in place to provide protection against transactions with corporate interests. From abusive debt collectors to false credit reporting, we will take a look at some of the most important...

How To Fight Back Against Debt Claims

It’s a scary thought to receive a collection letter for unpaid credit card debt. However, for many debtors who does not know how to properly handle a debt claim, we laid out a simple step by step instructions on how you can fight back against debt claims and avoid harassment. Step 1: Read and Understand the Notice The Fair Debt Collection Practices Act give debtors the upper hand in any consumer debt claims so don’t be...

Being Sued By Your Credit Card Company? Stand a Ch...

Most of us are having problems stretching our paycheck for day-to-day expenses. However, others are having even worse problems by being sued by their credit card companies for mounting debts. Fighting off debt claims is exhausting and in most cases, totally avoidable. If the creditor decides to take matters to court, it’s important to determine the best course of action to take to win the case. Aside from not ignoring the...

Sued By a Credit Card Company: Facts About Old, Ch...

For many people who are being sued by their credit card company, the process that led them to the very situation they are in now is somewhat hazy. This article aims to help delinquent debtors know more about what charged off account meant and what information can help their cause when they are sued by a credit card company. A charge off credit card account refers to delinquent debts that credit card companies write off their...

Credit Card Lawsuit Information: Misinformation Ab...

Facing a possible credit card lawsuit? There is a way to prevent the case from going all the way to the court. Settling the case out of court not only help save money on both parties, it will make the situation less complicated as well. However, because there are many misinformations about settling debts out of court, we set the facts straight on some of these myths: Myth: Debt settlement companies should be trusted. While...

Credit Card Lawsuit Defense: Facts About Collectio...

The Fair Credit And Fair Debt Collection Practices Act provide protection against abusive debt collectors against dirty collection tactics including outright threats, intimidation, incessant phone calls, and other techniques formerly used to collect a debt. With this act, mean-spirited debt collectors can now be held responsible for their nasty collection efforts. One example is the usual practice of debt collectors of asking...

The Worst Defense Against Credit Card Lawsuit

In most cases, debtors who are defending themselves in court have no idea if a certain defense against credit card lawsuit will work in his favor or against it. You’d be surprised at some of the defenses that these debtors think will help their case when in fact, they tend to backfire on them. In this article, we will discuss some of the worst defense against credit card lawsuit often used in credit card debt trials. “I...

Summary Judgment: Defense Against Credit Card Laws...

If you are facing a lawsuit from unpaid credit card debts, then you need to learn more about defense against credit card lawsuit. It’s important to check your own court rules to determine what defense against credit card lawsuit you can use against the opposing attorney. For example, in the middle of the proceeding, you are likely to receive a Motion for Summary Judgment from the plaintiff. The Motion for Summary Judgment...

How to Beat a Credit Card Lawsuit

Learning how to beat a credit card lawsuit starts with extensive researching. The fact is, just because a creditor filed a lawsuit against you does not necessarily mean they can prove their case. You can raise various defenses against junk debt buyers or collection agents but it should only be raised through the court system. Creating your Answer to the summons and complaints is the first step on how to beat a credit card...

Fighting Credit Card Lawsuit, Winning Your Case

Facing a credit card lawsuit? You are not alone. Thousands of credit card lawsuits are filed and set out on a daily basis by junk debt buyers and collection agencies in hopes of getting more from charged off accounts they purchases pennies on the dollar on. The good news is, a credit card lawsuit is easier to beat than you think. It’s just a matter of setting aside your fears and knowing what steps you need to take in order...

Defense Against Credit Card Lawsuit: Fighting Evid...

It’s important to work out your defense against credit card lawsuit because the plaintiff will do what it can to prove that you are the owner of the debt in question and will make you pay for every penny, including their own legal cost! During the trial, the plaintiff will try to collect as much evidence as they could to pin the debt to you. They cannot get a default judgment if they were not able to gather enough...

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...

When a Summons for Credit Card Debt is Unanswered

If a debtor fails to answer a summons for credit card debt within the given period (usually 20 days) junk debt buyers, collection agencies, and creditors will not waste time collecting the payment if they are awarded a default judgment. If you are given 20 days to file an Answer to the summons for credit card debt and you failed to do so within the given timeframe, your creditor will start their collection efforts as early as...

Responding to a Summons

It is critical to start responding to a summons as soon as your local sheriff hands you the complaint. Debtors are only given a short period of time, usually 20 days, to file an Answer to creditors’ allegations. This simple guide will help you in responding to a summons properly. The summons will come with the complaint document. This document contains all the counts against you as well as the amount of money you allegedly...

Court Summons for Credit Card Debt: Take Immediate...

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...

Response to Summons: Answering to Credit Card Debt...

The first step to take when you learn that a credit card debt collection agency is suing you for uncollected debt is to create a response to summons. First, once you received the summons and complaints, you need to file a Notice to Appear. This will prevent the court from entering a default judgment against you without court proceedings. This will also give a clear message to your creditor that you are a well-informed debtor...

Receiving a Summons: How to Answer a Summons for D...

No matter how you look at it, receiving a summons for unpaid credit card debt is depressing and nerve wracking at the same time. However, to avoid things from going out of hand, it is important to learn how to answer to a summons for debt the right way otherwise, the situation can go from bad to worse quickly. This article serves as a guide on how to a answer to a summons for debt. It all start with checking the Court Rules...

Credit Card Debt Lawsuit: Don’t Worry, Take Action...

Many people who owe thousands of dollars in credit card debt are just silently waiting to receive a court summons. However, the likelihood of getting served for CC debts is very low. In addition, you can prevent things from getting worse by simply picking up that phone and discussing a solution with your creditor. On the other hand, if in case you got served, you have to be mentally prepared to respond to the court summons,...

Taking Action: Handling Debt Collector Threats

Generally, debt collectors are prohibited by law to threaten delinquent debtors with anything that they cannot legally do. Debt collectors cannot threaten you to take your house unless they hold a mortgage on your home, they cannot threaten you with harsh language, intimidation tactics, name calling or freeze your bank account. If you feel that your debt collector has crossed the line, you need to keep a good record of any...

Answering Summons-Breach Contract

Failure to make credit card payments on your card account will result in the card company or debt collector filing a lawsuit for breach of contract. You will receive a court summons. A court summons is essentially a notification that a lawsuit is underway. Summons is hand-delivered to your home or place of businesses. A “complaint” is second document attached to the court summons. Note that the complaint is the actual...

Got Court Summons? Learn To Fight Back The Right W...

You will only realize how serious your credit card debt is when you get served with a lawsuit through a court summons. However, all is not lost. Essentially, a lawsuit is filed when you failed to meet deadlines regardless whether or not you ignored or missed them. The complaint against you is filed in court; the court approves it and sends a summons. Once you responded to the summons, the case is heard. The presiding judge...

Help Responding To Court Summons

Most people have credit card debts to blame for debts that are spiraling out of control. Having debts you cannot pay is bad enough but receiving a court summons for credit card debts often leaves people in panic. In this article, we will discuss what course of action to take in order to get out of the situation and be debt free for good. If you received a court summons, it is important to not ignore it. The fact is, the court...