How do I settle a credit card Judgement?
Rachel Davis
Updated on February 17, 2026
Accept the judgment If you do owe the money, simply accepting the judgment is likely your best option. You can pay in full with a lump sum directly to the creditor, if you can pull together enough money. If you can’t, you’re likely facing wage garnishment or a bank levy.
How do you defend yourself against a frivolous lawsuit?
If you’re wondering about how to stop most frivolous lawsuits, you must contact an experienced attorney who can advise you on the best course of action to take. Very often, a wise option is to settle out of court by apologizing or offering a small compensation to resolve the issue even if you were not at fault.
What to do if a credit card company sues you?
The creditor may stop calling, and instead knock on your door with a notice of a lawsuit. If a debt goes unpaid and you’ve made no plans to repay it, your credit card company may sue you in civil court for the balance, hoping a judge will order you to pay.
How long do you have to answer a credit card lawsuit?
Your first concern is filing your answer in time. The length of time you have to file depends on state law. For example, in New York you have 20 days to answer the complaint if you received it by hand and 30 days if you received it by any other method. In Texas, the window is even smaller.
What happens if you ignore your credit card debt?
Ignore your credit card debt long enough, and your credit card company may sell your account to a collection agency or sue you in civil court for the balance. While it’s best to try to work with your credit card company before a lawsuit is filed, it’s also important to know what to expect if you receive a summons and how you can respond to it.
Is there a way to settle my credit card debt?
Debt settlement is a great option to help you resolve your debts if you follow the program and choose the best company. If you are worried about getting sued by your creditors, enrolling with a debt settlement company that offers legal help would be a good option so make sure you do your research.
