Has your credit card company sued you? You would be surprised to know that in the past few years, many credit card companies have initiated lawsuits against the debtors in order to benefit from the default judgment. They also try to attach liens to the defaulter's property and collect debt by finding legal loopholes. In such a scenario, it is important for you to know exactly how to go about answering a credit card lawsuit in the best manner so that you can win the case with ease. If you think that you need not answer a summons, then you're wrong and not responding would be a big mistake. You can be charged with a bench warrant or a writ of attachment and arrested for not answering the court. You automatically lose your case by default.
Most of the times debtors are aware of all the possible reasons for a summons like non-payment of debt. Not being able to repay the debts over time can drag you to the court. Thus while you are preparing how to answer a summons, you must be ready with all the possible questions. It would be wise to understand that the credit card companies, which have lent you money, are unsecured lenders who are always skeptical about the money that they have given to you. By answering a credit card lawsuit in a smart manner you save yourself from future trouble. Many companies also offer permanent relief to their customers by settling the case out of the court. Your two options are to either have a lawyer or defend the lawsuit yourself, but if you ignore or fail to respond you automatically lose by default judgment.
Answering your credit card lawsuit is very important. You need to have all the documents which could prove your credit history in court. Answering a summons in the right way to the collection agency or credit card company would clearly indicate that you are not going to back down easily. Winning each and every case is difficult yet possible. Providing the court with the right documents to prove your innocence in the case can help you win the case. In fact, the court drops all kinds of charges against you, and also orders the credit card company to pay the expenses of the court case. Fortunately, there are a few defendants' packages available in market which can be used for answering a summons, filing notice to appear, discovery samples, sending discovery off to the Plaintiff and many more.
The Defendant's Package can make answering a credit card lawsuit a cakewalk by providing knowledge about all the ways in which you can prove your innocence to the judge. In case you are not prepared, immediately file for a motion for extension of time and prepare for the case by using all the information and examples provided in The Defendant's Package. The package has full information about how to answer the complaint and get prepared to face the jury with confidence.
D Wiley is the author of this article on How to answer a summons.
Find more information on Winning a credit card lawsuit here.
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