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How To Beat Junk Debt Buyers And Credit Card Lawsuits Legally
Author : Becky Gilham
Submitted : 2011-12-27 09:39:55 Word Count : 604 Popularity: 1
Tags: how to answer a summons, court summons, credit card lawsuit, court summons example, answering a summons
In these difficult financial times, you might have incurred a debt which you have failed to honor. Now your creditors will most likely file a case against you in court. But before you can make your formal appearance in court, you first of all need to be served with court summons. The almighty and feared summons will be issued against your person by the court and in such cases, the best thing you can do for to help yourself is respond to these summons. It’s that simple. Either you respond or you end up as a fugitive fleeing from the system, having to look over your shoulder with every step you take.
A credit card lawsuit is the most common suit that will be filled by debt collectors since most credit card holders normally max out their cards and fail to clear their credit. The credit card company will then apply for a hearing in the court of their choice and it is from this that summons will be issued against the creditor. Now if you do find yourself in this predicament where you are served with court summons respond to the summons because it is not a particularly good idea to just ignore the summons or any legal papers. The consequences are not exactly something anyone would wish upon themselves. In fact your creditors are banking on you ignoring the court summons because if you do not show up, they will get what is known as a default judgment. The court will rule in their favor and you have to pay up, to the last penny and there is nothing you can do about it. Failure to pay up, the court gives debt collectors several ways through which they can collect on the debt.
These options vary from one state to another but on a basic level, they have the right to take your wages, place a lien over your personal property such as a home mortgage. This means that the failure to honor court summons gives debt collectors complete control over your life, both socially and financially. This should be enough to make you respond and to attend any credit card lawsuit to which you are a party to.
Once you respond to the court summons, you should clearly explain the preceding factors and reasons that led to the current credit card lawsuit. Clearly state to the court the reasons that led to your inability to discharge the debt in the required time frame. Even if you cannot be paying a cent, do not be embarrassed to say so, but give a reason why you cannot. The judge needs to hear your side of the story because without this, he won’t have any reason to rule in your favor.
Now this information is not enough to win the credit card lawsuit you are facing. Just because you think you have understood the information contained in this article 100% doesn’t mean that you are ready to take on the debt collectors in court. There is a special defendant’s package that is designed specifically for people who are facing credit card debt. This package is designed for people who cannot afford to hire an attorney to represent them. You can fight off all the junk debt buyers and collection agencies breathing down your neck with no hassle at all. Play it smart and turn your life around with the Defendant’s Package.
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Becky Gilham is the author of this article on credit card lawsuits. Find more information, about answering a summons here
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