3 Steps to Winning a Credit Card Debt Lawsuit

 In Legal

If you were using a credit card and failed to make the credit card payments then the debt has its consequences. If you constantly fail to make the credit card payments then the worst thing a credit card company can do is to take you to the court.

If you don’t want to hire an attorney then you can try to defend yourself in the court. If you receive a summon to appear in the court because of your credit card debt then you need to follow these steps in order to win a credit card debt suit.

Step 1 – Realize the Essence of Time

Time is of great essence when it comes to legal matters. If you have been sued by the credit card company for your credit card then you will receive a summon to appear in the court.

You have very limited time to answer the summon and timeframe may vary based on your state. If you do not answers the legal summon then you will automatically lose the suit and the verdict will be in favor of credit card company.

If you don’t know how to answer the summon then you can simply use web applications like SoloSuit. This website will ask you some questions and your answer will be reviewed by an attorney. You can then submit your answer to the summons in the court.

So, if you receive a summon, act fast, and answer the summon as most of the suits end in a summary judgment because people do not respond to the summons.

Step 2 – The All-Encompassing Answer

While answering the summon, make sure you address all the complaints listed by the credit card company (plaintiff). It is also to be remembered that making excuses for why you did not pay will negatively hurt your case as you are admitting that you owe the debt.

If you wish to deny all complaints made by the credit card company then you can do so by saying “All allegations brought forth by the plaintiff are false.” And make sure that this is true otherwise you are lying to the court.

 

Step 3 – The Beauty of Discovery

During Discovery, you can ask the credit card company for documents they will be using to prove your guilt.  In most of the cases, the plaintiff won’t have these documents so it is an opportunity that you demand they provide them.  Once you get these documents now it is up to you to show the court that the plaintiff lacks the evidence to prove you are guilty.

So, if you ever get sued over credit card debt by the credit card issuing company then follow this easy guide to win a lawsuit against you. The law may vary from state to state but the general procedure is the same. Keep your self calm and timely respond to summon and follow the rest of the guide.

If you ever been to such a lawsuit then do share your experience in the comments section below.

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