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  • Writer's pictureGRANT PHILLIPS LAW, PLLC

What to Do When You Get Sued For Credit Card Debt?

Updated: Dec 31, 2022

Are you dealing with credit card debt? It might comfort you to know that on average 28% of Americans struggle with debt according to a study by the consumer financial protection bureau. So, you are not alone.


Having debt in a collection can cause some unpleasant consequences. If you default on your credit card bills and don’t answer their calls or settle on an agreement, then the creditor can send you legal notice and courtroom summons as well.


Dealing with Credit Card Debt Lawsuits is one of the struggling tasks for people, who don’t have any idea how to settle legal matters with minimum damage.







So, here we have mentioned the top steps to follow when you get sued for credit card debt.


  1. Verify the debt:

If you get sued by your creditor, then it doesn’t mean you don’t verify your debt. Ask your creditor to verify your debt by providing all the details. It is very common to hear that collectors sue someone by mistake. Verifying your debts will help you and save you from a legal process as well.


Moreover, it will also allow you to check the overall amount for the company suing you. Ask them to send your debt report in writing or by mail to track your transactions and verify the amount to get prepared for the next step.


  1. Contact an attorney:

After verifying your debt, hiring a Credit Card Debt Defense attorney is a crucial step. An attorney has experience and qualifications to understand legal matters and they can give you the best advice according to your case.


An attorney will study your case and find out the best options to settle your credit card debt outside the courtroom. Plus, they will also help you in getting a beneficial settlement judgment inside the court as well.


  1. Determine how you will respond:

The defense attorney suggests the best possible ways for the clients to settle the debt inside or outside the courtroom. They also seek Credit Card Debt Forgiveness consulting with the creditors or collectors and providing relief to the clients.


You have to determine how you will respond to your creditor inside the courtroom. You can come to an agreement with your creditor outside the court and settle your debt with easy repayment.


In the nutshell:


Get Credit Card Debt Help from a reliable debt settlement law firm and settle your debts in easy repayment to live a happy and stress-free life.

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