Sued For Credit Card Debt? Don't Panic!

Being Sued is Stressful

Are you one of the many thousands of American citizens beings sued for credit card debt? It's seems to be a growing trend. Credit card companies give up trying to collect credit card debt, write it off against their business, then sell that same debt to bulk or credit card debt buyers for pennies on the dollar. The bulk or junk debt buyers then turn around and sue the consumer for the full balance left unpaid on the credit card debt. These people are despicable. They're vultures. 

The gall of the huge financial and credit card companies who got huge bail outs of the tax payer's dollars in 2008 to now sell out on Americans who are already down and out. It's incredible but true that much of those tax payer's dollars also went to bail out foreign banks. Think about the gall of bulk debt buyers for buying debt for mere pennies on the dollar, only to turn around and sue people for the full amount of an unpaid credit card account that was closed several years ago and does not even show up credit reports. 

Don't Panic

Sued for Credit Card Debt?
Don't Go Out & Get Drunk

It is a very upsetting thing to be served with a summons that you are being sued and you're required to be in court to defend yourself before a judge on a specific date. Stay calm. Don't panic. Don't get depressed. Don't get drunk. Don't immediately start thinking of bankruptcy either. Take some time to calm down and think things through. . 

You will get over this and there might be a good chance to win the lawsuit against you. This is especially true if you're being sued by a bulk debt buyer who is not the original owner of the debt. 

Bulk Debt Buyers Seldom Have Adequate Evidence to Win Their Court Case

Don't Let Credit Card Suit
Put You in Depression

If the plaintiff suing you is a debt buyer, the good news is that they seldom have adequate evidence to win their case in court. Very often, they do not have the documents that show your signature or terms of a credit card agreement. The burden of proof is on them to prove that the defendant owes them the debt. If they don't have the proper evidence, then the judge should rule against them.

Junk debt buyers know they don't have adequate evidence to prove their case, but they sue anyway because most people let fear paralyze them and they don't even answer the summons. They choose not to challenge it nor to fight the debt buyer's suit. So, if they don't show up, the judge has no choice but to believe the debt buyer. The debt buyer wins by default. They then can have the court issue them the authority to wipe out the defendant's bank account and garnish their wages for money they never borrowed from them. Chances are that they've never had any contractual agreement with the plaintiff and the debt they claim the defendant owes them may not even be theirs. . 

Fight Your Credit Card Suit and Win!

Don't Let Bulk Debt Buyers Win Their Credit Card Law Suit Against You.

It's highly possible that you could win a credit card lawsuit if a bulk debt buyer sues you. It is not hard, but there are certain things you must do. The most important thing is that you must answer their claims. They are banking on you not answering the summons in a timely manner. If you ignore the suit and don't answer, then you will be in default and you will lose the case.  To find out more information about what to do if hit with a credit card law suit, read my more detailed article outlining the steps you can take to win. You CAN win your law suit.It's not the end of your life. In fact after you win, you will feel as if you have regained your life and things will be even better for you. 

Sued For Credit Card Debt? Don't Panic!

Being Sued is Stressful

Are you one of the millions of Americans being sued for old credit card debt? It's seems to be a trend these days. Credit card companies who have written off old debts are selling the debts to bulk debt buyers for pennies on the dollar. The debt buyers then turn around and sue the American citizens for the full balance left unpaid on the credit card debt plus their court fees. These people are lower than low.

The gall of these credit card companies who got huge bail outs of tax payer's dollars to now sell out tax payers (who helped bail them out). Oh, the gall of bulk debt buyers for buying debt for mere pennies on the dollar only to turn around and sue people for the full balance of an old unpaid credit card that was written off the books years ago.


Don't Panic

Sued for Credit Card Debt?
Don't Go Out & Get Drunk.

It is a very upsetting thing to be served with a summons that you are being sued and you're required to be in court to defend yourself before a judge at a certain date. Stay calm. Don't panic. Don't get depressed. Don't get drunk. Don't immediately start thinking of bankruptcy. 

You will get over this and there might be a good chance to win this suit against you. This is especially true if you're being sued by a debt buyer who is not the original owner of the debt. 

Bulk Debt Buyers Seldom Have Adequate Evidence to Win Their Case

Don't Let Credit Card Suit
Put You in Depression

If the plaintiff suing you is a debt buyer, the good news is that they seldom have adequate evidence to win their case in court. Very often, they do not have the documents that show your signature on them nor do they have any proof of terms of a credit card agreement. They must also show proof that they own the debt. The burden of proof is on them to prove that they own it, and that you owe them money to clear it. If you challenge them and they don't have the proper evidence, then the judge will rule against them.

Debt buyers know they don't have adequate evidence to prove their case, but they sue citizens anyway because most people don't even bother to answer the lawsuit. They choose not to challenge or fight the debt buyer. If the defendant doesn't show up or answer, then the judge will believe the debt buyer's claims. So they win by default. The debt buyer can then legally wipe out your bank account and garnish your wages. 

You Can Win Your Credit Card Law Suit 

Fight Your Credit Card Suit and Win!

Don't Let Debt Buyers Win Their Credit Card Law Suit Against You. You can win a credit card law suit if a debt buyer is suing you. It is not hard. There are certain things you must do. The most important thing is that you must answer their claims. They are banking on you not answering the summons in a timely manner. If you ignore the suit and don't answer, then you will be in default and you will lose the case.  To find out more information about what to do if hit with a credit card law suit, read my more detailed article. Junk debt buyers tried to get thousands of dollars from me, but I fought back and won! You can probably win your law suit too. Life will go on and things can be even better for you.