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Putting a Stop To Wage Garnishment

An old debt can haunt you, or more precisely, your savings. Creditors have the right to file a credit card lawsuit against delinquent debtors who failed to repay outstanding debts for months, even years. If say, the creditor won the credit card lawsuit, the court will grant them the right to garnish wages. The writ of garnishment, issued by federal court, is an order to a debtor’s employer to garnish an employee’s wages,...

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...

Fair Credit Reporting: What You Need To Know Now

Debt collectors have always been linked to harassment, threats and use of profane language to extract debt payments,especially old debts, despite laws enforced to protect consumer rights. Out of statutes debts will be sold and resold and often, those who purchased the accounts will not hesitate to step on a few toes just to make a successful collection. Unfortunately, unpaid debts, old and new, will cause a negative impact on...

Jail Time Awaits For Those Who Ignore The Summons

Many delinquent debtors who plan to ignore the summons be warned, unanswered summons and complaint could lead to a short stint in jail. The fact is, ignoring court ordered summons is one thing and blatant disobedience to a court order is another. Debtors who continuously ignore the summons despite several notifications will be held in contempt and if the court suspects that a debtor disobeyed the court order and committed...

Debt Collection Laws: Getting A Cease and Desist L...

Harassed by your debt collector? If you have been getting a series of phone calls in your home or to the office or your friends, neighbors, relatives or even your employer were approached by a debt collector in a bid to embarrass you into paying the debt, it might be the time to consider checking debt collection laws in your area. One of the most important thing to keep in  mind when being harassed by debt collectors is the...

Increasing Numbers of Debtors Getting Court Summon...

The recent economic slump brought more problems to average citizens who work hard but still are neck deep in credit card debt. This increased the number of debtors who default on payments and eventually, get court summons for credit card debt. The fact is, these court summons for credit card debt are no longer sent out by the original creditor, rather, they are sent by third party junk debt buyers who purchased old, charged...

Got Served a Summons for Credit Card Debt? Don’t C...

Receiving a summons for credit card debt is definitely a stressful situation and often times; it leaves debtors in confusion as to what steps they need to take to resolve the problem. Unfortunately, many will try to contact the collection agent or collection attorney and try to work out a payment plan or a settlement agreement. This is wrong; you should never call the collection agent once you receive the summons for credit...

Credit Card Lawsuit Defense: Fight For Your Rights...

Hounded by junk debt buyer for old, unpaid credit card debts? If you got served and possibly facing a lawsuit in a few weeks, you need to know all the right credit card lawsuit defense you can use in order to win your case otherwise, you stand to pay not only for the alleged debt but also the junk debt buyer’s legal fees! Now, a great credit card lawsuit defense can be used by simply checking the Statute of Limitation to...

Being Sued By Credit Card Company: Winning The Cas...

Being sued by credit card company is a challenging situation to be in but fear or intimidations should not prevent you from doing what is right, which is fight the lawsuit (unless you are prepared to pay off the principal debt amount, plus interest, penalty charges and the junk debt buyer’s legal fees). Now, say, once you found out about being sued by credit card company and you took action, what happens next? Generally,...

Defense Against Credit Card Lawsuit: CC Statements...

Most junk debt buyers and collection agencies do not have access to certain documents once original creditors closed the book on old, charged off credit card accounts and this makes it difficult to pin the debt on the debtors being sued. In such cases, instead of presenting the original credit card agreement, the plaintiff will try to present old credit card statements as proof that the debt is owned by the defendant. Now, if...

The Importance of Responding to a Summons Correctl...

In most cases, responding to a summons is all it takes for creditors to drop the case against you which is why it is imperative that you create an Answer to the plaintiff’s complaint within the amount of days given by the court otherwise, the plaintiff will get a Default Judgment against you. A default judgment will give your creditor legal rights to access your bank savings or garnish your wages to satisfy the loan, the...

Handling Your Debt Collector Like a Pro

No one takes pleasure in receiving incessant calls from creditors or debt collectors. This is especially true for people who could not reach a settlement with their creditors. On the other hand, if you are faced by multiple debt collectors and being harassed with threatening phone calls to collect money from you, then they crossed the line. Debt collectors are known for applying dirty tricks to get what they want. Some are...

Credit Card Debt Relief: Scams to Watch Out For

Facing credit card debts is challenging particularly at this time when the economy is at its worst. Unfortunately, some unscrupulous companies are trying to capitalize on this worsening problem, taking advantage of unsuspecting victims who are trying to find credit card debt relief. Essentially, all credit card debt relief scams offer the same thing, they promise people relief from debt later for payment now. Several years...

Debt Claim Guide: Being Sued By Credit Card Compan...

Being sued by credit card company can be a nerve wracking situation that no one wants to be in. However, millions of Americans are embroiled in debt claims and are hounded by creditors, debt collection agencies, or junk debt buyers every day. If you are being sued by credit card company, the important thing to do is to stop panicking, read the summons and create your Answer to the complaint. In most cases, something as simple...

Response to Summons: Card Statements Attached with...

Served by a summons with no credit card contract copy attached? In cases where in junk buyers file complaints to old delinquent debtors, they fail to provide a copy of the original contract (these documents are not turned over to them by the original creditor) and instead, come up with a vague affidavit to build their case. Make sure to check before you create a response to summons. It is within your rights to demand a copy...

4 Civil Summons Mistakes to Avoid

Receiving a court summons for unpaid credit card debts is understandably worrisome. However, this is the kind of situation that could easily be prevented by being vigilant with your own financial obligations. In this article, we will discuss the four mistakes you need to avoid once you got served. Don’t Ignore the Summons! Problems will not go away on their own especially if it involves a potential lawsuit so never ignore...

Court Summons & Consumer’s Rights

A court summons is essentially a notification of a lawsuit delivered to your home or place of employment by a courier. The lawsuit itself, called a complaint, is delivered together with the summons. The official serving of the complaint and summons is the start of the case moving forward. It is important to remember that you have legal rights all throughout the process. Laws will differ from state to state but the summons...

How To Beat Old Credit Card Debts

  How To Beat An Old Credit Card Debt: Part One The quickest way to beat old credit card debts is the Statute of Limitations. The Statute of Limitations is a deadline that you have to sue someone. Know that the Statute of Limitations will vary from state to state and is very different from other types of lawsuit types. To give you an example, the Statute of Limitations in Tennessee for open account or contract is six...

Knowing Your Rights for a Credit Card Court Summon...

If you received a court summons for unpaid credit card debt, you might be wondering what step you should take next. Although a lawsuit is often the last resort for many credit card companies who are desperately looking for ways to extract money from debtors, it is important to know your rights and learn how to defend yourself if you are sued for it. Step 1: Respond to the Court Summons The primary right and responsibility...

Credit Card Debt Summons: How To Save Yourself Fro...

Unless you are one of the few people in the country who can afford to spend thousands of dollars on luxurious purchases, you are probably keeping track of your expenses. Unfortunately, a large chunk of Americans prefers credit cards as opposed to cash, when it comes to shopping.  As a result, more and more people are experiencing financial hardships for failure of managing their credit card usage. Once things start falling...

Common Questions About Credit Card Debt Summons

What is the right way to respond to a court summons for credit card debt? The best way to respond to a court summons for credit card debt is to create a 2 to 3 pages written response that indicate answers to specific items in the complaint. The document must contain a denial to the complaint and defenses for your actions. Note that there is a certain design or format for court summons response. You can check with the local...

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...

Credit Card Crisis: Disputing A Credit Card Court ...

Most 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...

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...