Credit Card Debt Lawsuit

August 28th, 2011 | Posted in Credit Card Debt

Get your debt lawsuit handled properly. You don’t NEED a lawyer to do it either. You can get your case dismissed on your own with the right information. I have faced court summons by both collection agencies and Capital One, and I was able to get victory over my lawsuits so I’m pretty sure you can too. There are a few things you should remember going into this that I’d like to share with you because now that I have been through it, I’d like the average middle class American to be confident in knowing that he or she can do just the same.

First, ANSWER your summons! Don’t ignore it when you get it. Don’t even call the collection agency to dispute it because that will be received as evidence of you admitting to being at fault. The very first step though is responding to the debt lawsuit. Simple enough right? Well, this seems to be the biggest challenge for many because they fear not even having a chance, but they aren’t aware of their rights. Plus, most of these junk debt buyers and collections agencies are bluffing, but we’ll get into that.

Be sure to take a look at the Summons and make sure that you were served correctly. Know what your time limit is. What sort of time period are you looking at? See how long you have until your response is expected. When given my summons I had an entire 20 days to figure this out. My Answer was due back to the court within those 20 days. I was never sent a collection notice in the mail so I wasn’t expecting any of the lawsuits in which I was summoned for so make sure you scan over your summons and be cognoscent of the time frame.

As mentioned above, the collection agencies are going to get over on you. Oftentimes they don’t even have all of the evidence and documents required to prevail in court so don’t fail to respond to your summons or try to call them and talk things out. If they see you fighting back they may not even want to spend the time trying to fight you, especially if they know they don’t have the supporting documents for this case.

If you are being sued by the original creditor, however, then that can make a great difference. They are more likely to have the documents to present a case in court. It is possible still that they could slip up if they make a mistake or break some court rule, but it’s important that you make sure and have your own stuff together. One important question to consider asking yourself early on is: “How old is the debt?” I’ve learned that the older your debt is, the harder it is to prove. Your debt could be beyond your Statute of Limitations. These are just a few tips to help out when trying to overcome a debt lawsuit, but The Defendant Package is quite helpful for the entire process. Understanding your rights along with the help of the Defendant’s Package, can assist you in winning your case as I did.

Looking to find the best way to battle collection agencies and respond to your court summons, then visit www.courtsummons411.com to find the best advice on winning your debt lawsuit.