What happens when a credit card company summons you?
What happens when a credit card company summons you?
When your card issuer – or a collection agency that has purchased your debt from the issuer – can’t get you to pay your bill, a lawsuit seeks to obtain a court judgment, which may give the company the right to garnish your wages and bank account until the debt is paid.
What happens if you ignore a summons for credit card debt?
If you ignore your summons, the court is likely to rule in the debt collector’s favor and your wages could be garnished until you pay back the amount of money that the court rules you owe.
How do I respond to a credit card summons?
You should respond in one of three ways:
- Admit. Admit the paragraph if you agree with everything in the paragraph.
- Deny. Deny the paragraph if you want to make the debt collector prove that it is true.
- Defendant denies the allegation for lack of knowledge sufficient to know the truth or falsity thereof.
What happens if I don’t respond to a credit card lawsuit?
What happens if you don’t show up for a court summons? If you don’t show up for a court summons, a judgment will be entered against you. The judgment is the court’s official statement that you owe the amount in the lawsuit. You may also be responsible for paying collection costs, interest, or attorney fees.
What to do when you get sued by a creditor?
If you’re sued by a debt collector, you should respond to the lawsuit. You can respond personally or through an attorney, but you must do so by the date specified in the court papers.
How do I respond to being sued for credit card debt?
Here’s how to respond to a court summons for credit card debt:
- Don’t ignore it. If you do this, the court will simply rule in the issuer or debt collector’s favor.
- Try to work things out.
- Answer the summons.
- Consult an attorney.
- Go to court.
- Respond to the ruling.
What happens if you get sued and ignore it?
If you do nothing and do not go to your trial, you will “default” and the judge will probably enter a default judgment against you. The plaintiff will probably get what he or she is asking for plus any filing fees or other court costs related to the small claims case.