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How To Fight A Credit Card Lawsuit: Answer Your Request For Admissions
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How to Fight A Credit Card Lawsuit: Answer Your Request for Admissions

If you are facing a possible lawsuit from unpaid credit card debt account, it is important to learn how to fight a credit card lawsuit. You’d be surprised at how easy it is. Of course, you need to remember two things when learning how to fight a credit card lawsuit, first, you need to gather as much information as you can about the subject and two, check your state court rules to learn what types of motions you can file if your creditor made errors with the complaints and the summons.

Many debtors who are facing possible lawsuits from their creditors tend to ignore the importance of creating an Answer to Admissions Request, which will be sent by the your creditor's attorney to you. So should you? The answer is a resounding yes.

Always check state court rules and search under the Discovery phase or the state court rules for Admissions, Interrogatories, and Document Production, these are labeled separately. Your state court rules will provide information on how to fight a credit card lawsuit properly. In some states, all Request for Admissions are DEEMED ADMITTED until the defendant creates an Answer to these allegations by filing an Answer or Objection to the court.

The attorney that sent you the Admissions should tell you how much time you have before you send the necessary documents but some will conveniently leave out this fact so better do your own research or you might miss this chance to answer all allegations against, you.

On the other hand, if you ignore the Admissions Request and failed to provide an answer to any questions send by your creditor's attorney, he or she could file motion that will have these Admissions deemed admitted in accordance to your local Court rule. Essentially, the court and the plaintiff will take it that you admit to owing them money, you admit owning the credit card and you admit you did not pay your debt.

Simply put, failure to file an Answer means you are letting your creditor win the lawsuit! If the plaintiff files the motion to that Admissions Deemed Admitted, you will lose the case and pay the debt in question, plus interest, penalty charges and your creditor's legal fees!

Avoid crippling financial problems by learning how to fight a credit card lawsuit! Remember, losing the case means you will not only pay the debt, you will also get bad marks on your credit scores for several years. Learn what steps you need to take and learn how to fight a credit card lawsuit correctly.


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