If you do not pay your credit card bill at all or if you do not pay it within the deadline, there is possibility that the credit card company may file a lawsuit against you. If your credit card company sues you, there is possibility that it may serve you with a court summon and if you get this kind of summon, it is advisable that you should send your reply as soon as possible. This article will highlight on a few essential tips that you should follow to defend this type of lawsuit in the best possible way.
The first step that you should follow is to find out the exact time limit that has been set up for your credit card company to file this type of lawsuit and you should also check if it at all has fulfilled this type of requirement. If you find out that it has crossed the time limit that has been set up by the state in order to file a lawsuit, it is advisable that you should use it as your defense against this type of case.
You should ask for verification of debt from this type of company without any kind of delay. It is vital to remember that it needs to confirm that you really owe money on it. In order to verify it, it is advisable that it should check your Social Security Number and other personal details such as your name, address and telephone number, etc. If it fails to give the necessary information for debt verification or if it is found that you do not owe any money to it, then it is advisable that you should immediately inform it to the judge.
Once you have received the court summon, it is important that you should prepare your reply and you should submit it to your court as soon as possible. If you do not submit your reply right on time, there is possibility that your credit card company will win your case by default. All you need to do is to deny all sorts of allegations and to raise all kinds of defenses that you are able to use to defend this type of case. You can use different types of defenses such as calculation of payment in an incorrect way, filing of lawsuit outside the statute of the limitations and so on.
The next step is to collect the bank records, canceled checks, bills and other essential documents as quickly as possible. All you have to do is to make copies of these documents as well as organize them properly whenever you present them to the court. It is vital to remember that since your credit card company has filed this lawsuit in the court it is its responsibility to prove that you actually owe a debt to it.
It is important to remember that you should not fail to appear on the court on the day of trial. If you fail to appear in this type of session, there is possibility that this type of company may win the case by all possible means. All you have to do is to show your evidence to your judge and to request him to examine the witnesses in the best possible way. On your part, it is vital that you should be able to defend yourself as much as you can.