Sued for a Credit Card Debt

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Sued for a Credit Card Debt

by WILLY
(FLORIDA)

WHAT DO I DO IF I AM CALLED TO APPEAR IN COURT FOR A CREDIT CARD DEBT?

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Sued for a Credit Card Debt

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Sep 19, 2011

Sued for a Credit Card Debt
by: Debtcollectionanswers.com.

When you are sued for a debt, it is important that you show up in court for the hearing. If you don't, the judge will probably issue a judgment against you for the amount of the debt, plus other charges, without you having had a chance to tell your side of the story.

Before the day of the hearing, pull together any documentation you may have that helps explain why you did not pay your credit card debt, assuming it's because you were experiencing a financial hardship of some sort, as well as any documentation showing what you may have done to try to resolve the debt -- you asked for a reduced payment plan or tried to settle the outstanding balance on your credit card, for example.

Present your information to the judge at the hearing. It may cause the judge to view your failure to pay less harshly and the judge may even give you and the attorney representing the credit card company an opportunity to try to resolve your dispute at the hearing. Otherwise, the judge will probably find that you owe the debt you have been sued for you and you will be ordered to pay it.

If you need help preparing for the hearing or if you want an attorney to represent you at the hearing, contact a consumer law attorney in your area who handles debt collection matters.

Good luck!

Sep 27, 2011

what should i do
by: Anonymous

i received a judgement and then an appearance to be in court i called the court they have nothing except the judgement. the company called wanting to make an agreement what should i do the bill is 8 years old.

Reply from DebtCollectionAnswers.com:

The first thing you want to do is find out if you are judgment proof. If you are, that gives you more negotiating leverage with the judgment creditor. Read: What does being judgment proof mean? You'll also want to find out whether the judgment has expired. This is a matter of state law, and it's something that a bankruptcy attorney can explain to you.

Then you can go about trying to settle this debt so you can put it behind you. Judgments in many states can be renewed, and can thus last indefinitely. So you definitely want to find a way to resolve this one way or the other if you can.

If the amount is large and you can't afford to pay it, you may need to consider bankruptcy to get rid of it.

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Sued for a Credit Card Debt

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Sued for a Credit Card Debt