What to Do if You Are Being Sued by a Credit Card Company

Are You Being Sued by a Credit Card Company?

Don't Ignore It. You Can Win It. Even if You Owe the Debt!

Below you will find some basic information and tips that will help you defend yourself if you are being sued by a credit card company.

The best advice I can give you is to call me immediately for a free case review.

The below tips will guide you, but the only way you can be assured to a great defense is by having representation by a lawyer who defends these types of cases on a consistent basis. That is what I do. You should call me for help.

Alternatively, in the event that you feel that you can handle matters on your own or if you don't feel comfortable contacting me at this time, I am offering you a sensible strategy that could work for you, if executed properly.

A Word of Caution:

These actions are not easy to take and most of the time consumers hire lawyers to defend them rather than become mired in the complexities that come along with lawsuits in general. Like the old saying says,

"A lawyer who defends himself has a fool for a client." 

Remember, you can call my office first at (610) 991-3321 before you begin to try to take matters into your own hands. We offer a free case review.

ATTENTION: Under no circumstances, ignore the lawsuit. The credit card companies and the debt buying companies count on you to do this so they can get a lien against your property. Most of these cases are winnable, even if you owe the debt, because the credit card companies and, especially, the debt buyers, seem to have a lot of problems proving their case due to a lack of the proper documentary evidence required under the law.

If you are being sued, you should do the following:

  • FIRST AND MOST IMPORTANTLY - READ THE LAWSUIT VERY CAREFULLY. If there are any untruths in that Complaint, you must file the appropriate response. Pay particular attention to the numbers to see if they are consistent and to the documents. You will rarely find that the original contract or assignment documents, if any, are attached to the Complaint.
  • Request a validation of the debt from the creditor who is suing you. They must provide you with a written, signed statement of the verification of the debt by mail.
  • Although you can contact the creditor who is bringing the lawsuit against you and try to negotiate a payment plan, very often the creditor will try and take advantage of you and bully you into a bad deal. Be Careful!
  • Always correspond by using certified return receipt U.S. Mail. Always get a name of who you were speaking with. Keep track of your discussions with them, such as dates and times.
  • If you are in the financial position to pay off the debt completely, you can do that but make sure that the creditor's numbers are correct and that they provide written proof that the debt is satisfied in full.
  • You could file bankruptcy which would halt the lawsuit, but might not be the best strategy for your overall financial well-being.
  • Check the statute of limitations to confirm that the time period of when the creditor can sue you hasn't passed. This is the time period allowed that a creditor can bring suit against you. The time begins after failure to make your last payment. The length of time depends upon what state you reside in. If the time period has lapsed you can request that the lawsuit be dismissed by the Court.

The above tips will guide you, are for educational purposes only and are not intended to be relied upon by you. The only way you can be sure to mount a great defense is through representation by a lawyer who defends these types of cases on a consistent basis. That is what I do.

Call My Office Immediately:

Michael P. Forbes, Esquire 
200 Eagle Road, Suite 50 
Wayne, PA 19087 
(610) 991-3321

Our Values Helping You Avoid Bankruptcy
  • Proactive

    My goal is to reach as many people as possible to let them know that they do have the option to combat collection agency bullies.

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    My firm is proud to deliver high-quality legal representation and compassionate counsel during this difficult time.
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    Over 25 years of experience and the qualifications to fight for you and your rights.

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    Michael P Forbes


    Mr. Forbes has always been driven by the desire to help others. With that in mind he began his law career representing indigent families in the Philadelphia family law system for seven years.

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