Answering Credit Card Summons

June 12th, 2011 | Posted in Credit Card Debt

If you have ever been contacted by your bank or a collection agency for summons then you know what it’s like to be hassled. If you’re anything like me then you’re going to try and figure out how to handle everything within a short period of time. Don’t allow these collection agencies to intimidate you. This is definitely a case you can win so please do not even consider ignoring it. That is exactly what they want you to do, and that is exactly how you lose! I am here to tell you from my own personal experience that you too can win your credit card lawsuit. I will share some tips on how the process works when you are trying to win a credit card lawsuit.

As mentioned before, I was sued by two junk debt buyers and won! I have been sued by the original creditor too, which was Capital One, and I won that case as well. If you do not have money for a lawyer right now but have found yourself in a bit of a bind, take a look at my Defendant Package for guidance on how you can get through this entire process on your very own. You don’t need an attorney.

Once you’ve been served, your summons will let you know exactly how many days you have to respond to the complaint. You should have found this complaint attached to the court summons. It lists the Counts against you and how much the Plaintiff is demanding from you to pay if they get their judgment. (Emphasis on “IF”!) You can easily win! You just need to know how to fight. The summons itself is telling you that you will have X amount of days to answer the summons or else you will be in Default. Make sure you read through these summons that come in the mail.

It’s important for you to understand what happens when you ignore your summons. Ignoring your summons is in no way helpful. If the summons is ignored then every cent of the Complaint along with attorney costs is added on, and you will receive a Default Judgment. If your summons is answered, you will List your Affirmative Defenses and either admit to each count or deny each count. In addition to filing your Summons you should also file your notice to appear.

After filing your answer the Junk Debt buyer will either send you Discovery or dismiss the case. Keep in mind that most dismiss because they really do not have the time or want to spend the money on an individual who they know are fighting them back. Plus if they don’t have any documents to back up their claim then they really won’t try to fight. Here you have a pretty good chance at winning. However, if they do not dismiss the case, you will need to answer all of their Discovery and send out your own to the Plaintiff. This is when the trial typically begins, and most people don’t get this far unless they know what they are doing. With my Defendant’s package you will know exactly what to do because I’ve included the template, supporting documents and tips from how I won my own cases. I made a vow after winning that I would help other folks like myself get through it so it’s up to you to take the step and at least try. I know it will benefit you in some way.

Looking to find the best way to battle collection agencies and respond to court summons, then visit www.courtsummons411.com to find the best advice on winning your lawsuit. The Defendant’s Package was designed for people who cannot afford an attorney and want to fight Junk Debt Buyers & Collection Agencies back but don’t know how to do it.