Recently you were served a credit card lawsuit, and now you’re wondering what to do. If the collection agencies are contacting you and you’ve been served papers, you may feel like you’re up against the wall all of a sudden. This would be so much easier if you could afford a great attorney, right?? Wrong! You don’t need an attorney to fight your case. In fact, you are quite capable of handling this sort of thing on your own. Would you like to know how I know this? I have fought back and won credit card lawsuits myself! With some of the right help and guidance you can do the same.

First, I’d like to let you know that the collection agency that is suing you could very likely have ulterior motives. These guys are expecting you to call them and settle or not even answer your summons. But when you do that they get a Default Judgment. Our little friends use this judgment to garnish your wages and legally freeze your bank accounts. Are you still thinking about ignoring your summons? Yeah, I didn’t think so. You still have a fighting chance, but by not responding you are already giving up.

Winning your credit card lawsuit all begins with the actual complaint. I know some of the questions you may be asking yourself: Who is this company? As you look over the complaint might also wonder how a $1,000 limit turned into an $8,000 lawsuit. “How did this company even come up with this number?” Try locating the contract that you supposedly signed which agrees to the information on this complaint, if it exists. “Where is the proof?” may be another question that pops into your head. For more questions that you will want to go over when receiving your summons, visit howtowinacreditcardlawsuit.com.

Figure out if the plaintiff is the original creditor who you opened up your credit card with or if they’re stating that they are the assignee of the original creditor. If the plaintiff is listed as the assignee of the bank that you originally opened your credit card with then what gave this “Assignee” the legal right to sue you under contract that you must have signed with the original creditor?

To avoid a default judgment you HAVE TO answer your summons listing all your affirmative defenses. If you answer your summons correctly then chances are that the collection agency will dismiss the case because they do not want to deal with people who are well aware of their rights and will fight back. In order for the collection agency to win the case they have to have all the documents containing proof. This is after you have decided to fight back. If they can’t prove all the information to you, then they likely cannot prove it in court either. When sued by the original creditor a fresh bill and the original creditor most likely have the documents to prevail in a court of law. However, being sued by junk debt buyers is much different. The junk debt buyers must have many documents to prevail in a court of law and 90% do Not have the documents to prevail. Find out more on how this entire process works by using my Defendant’s Package available at www.howtoanswerasummons.com. There you’ll also find some tips on getting your credit card lawsuit dismissed.

Want to find out more about getting your credit card lawsuit dismissed, then visit my site on how to answer a summons for credit card debt.

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