How do you answer a credit card lawsuit?

Here are some other tips for properly filing your Answer to a debt collection lawsuit:

1. Print a copy out your Answer.
2. Personally sign and date the Answer.
3. Make two copies of the Answer; one will be submitted to the Court while the other should be sent to the debt collector.
4. File your Answer with the Clerk of the Court.

How likely is it for a credit card company to sue you?

Credit card companies sue for non-payment in about 15% of collection cases. Usually debt holders only have to worry about lawsuits if their accounts become 180-days past due and charge off, or default. However, the creditor is less likely to do so if the balance owed is under $1,000, or if the debt is settled.

How do I write an answer to a complaint?

Be brief. Answer the allegations in the complaint with one or two sentences. Again remember that the statements you make in your answer can be used as admissions against you. Your response to the allegations in the complaint may admit part of the statement in the specific paragraph and deny part.

How to respond to a credit card lawsuit?

You will respond to the complaint by filing an answer. In your answer, you admit or deny each allegation. You can also state that you have insufficient knowledge to admit or deny any allegation. Your courthouse might have a “fill in the blank” answer form already printed.

Do you have to answer a civil summons for credit card debt?

If you settle the debt out of court, the creditors and their lawyers can withdraw the case. You can avoid the hassle of filing an answer formally with the court. If trying to reach a settlement does not work out or you decide you prefer to go to court, you must file an answer to the served summons.

When does a credit card company file a civil judgment?

A credit card company might take legal action if you default on your payments after several collection attempts. If you fail to honor your obligation to pay the debt, the creditor can file a lawsuit against you and seek a civil judgment.

Can a credit card company sue if you cant pay?

In fact, if your answer is just a list of reasons you can’t pay, the court will consider it an admission that you do, in fact, owe the debt and they’ll grant judgment for the credit card company. The complaint will contain a list of statements made by the credit card company.