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Being Sued By Credit Card Company? Answer Junk Debt Buyer Interrogatories The Right Way!
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Being Sued By Credit Card Company? Answer Junk Debt Buyer Interrogatories The Right Way!

Are you being sued by credit card company? This situation may prove to be difficult if you don’t know what steps to take to fight off debt claims in court. Thousands of Americans are being sued by credit card company and it is up to you to exercise your rights and defend yourself. If the lawsuit pushes through the Interrogatories phase, chances you, are will be given a set of questions you need to answer.

Now, this is a tricky part as those being sued by credit card company are asked to provide sensitive personal details like their social security numbers and/or bank and employment information. Remember, you can object to these questions and you need to do so with cited grounds to your objections.

Note that in this phase, your creditor will wait for you to mess up the questions and get you to admit that you own the debt. This way, they can file a default judgment against you. Meaning, one wrong answer and they will win the case! The set of questions will include asking about your bank account, your job and personal details that has nothing to do with being sued by credit card company. These information are rather sensitive so think twice about giving them a straight answer!

The important thing to remember when being sued by credit card company or junk debt buyers is that if they do not have proof that would otherwise prove that the debt is yours, they don’t have a case. For junk debt buyers, you are in luck because these agencies do not have the necessary documents that would prove you own the debt, like a signed contract between you and the original creditor, as these documents are never released by the original creditor.

When the original creditor closed the book on an account, that account will stay closed even if it is sold to a third party collection agency. If the junk debt buyer has no evidence that would prove you own the case, then their chances of winning by default is slim.

It can be quite difficult to answer certain questions without giving away personal information about you. If you are being sued by credit card company and you have no idea where to start, we compiled all necessary information you need to know about fighting debt claims. With the right information, there is no reason why you couldn’t defend yourself in court and have your case dismissed!


Street Talk

Great article. I often listen to Dave Ramsey while taxiing my kids around. One of the things he suggests is that people should never pay on a debt to those junk debt buyers until they have the agreement in writing and that whenever the junk creditor's lips are moving they are lying. Also, never pay with a check or give any account information because it could be wiped clean.

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  about 9 years ago
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