This Article is About
credit card
debt buyers
How To Fight Credit Card Lawsuit: Filing An Answer For The Lawsuit
Join 1000's of Authors at StreetArticles Today!

How to Fight Credit Card Lawsuit: Filing An Answer for the Lawsuit

When you are learning how to fight credit card lawsuit and you are defending yourself Pro Se, you have to determine how to answer the complaint correctly. The Answer to the complaint is the first defense against credit card lawsuit and if done right, the creditor might have the case dismissed. Unfortunately, many debtors have no clue how to fight credit card lawsuit because they are either too afraid to try or too intimidated to stand up for their rights.

In most cases, the court will assume that both parties are represented by their respective lawyers. However, if you know how to fight credit card lawsuit without any legal representation, then you are expected to provide documents that are type written and not hand written. It's important to remember that all courts have their own legal format for presented documents and both parties are expected to comply. You will also need to get a copy of the top portion of the Complaint documents and modify the response title.

Most of the time, you need to provide the Answer to the summons and complaints in type written form and in the accepted legal format. Writing the answer by hand will increase the risk of the documents being sent back to you. Think of it this way, if the summons and complaints are sent to you in type written form and in the correct format, wouldn't you be compelled to do the same? If your answer is sent out in hand-written form, it could be sent back to you and eventually this could weaken your defense.

Most of the time, something as simple as presenting the Answer on time is enough for the creditor to stop pursuing the case at all. The reality is that, continuing with the lawsuit is so expensive for both parties and the payback is not enough to cover all the legal expenses that creditors would rather make a deal with the debtor. This is especially true for junk debt buyers who do not have the necessary documents, like the original credit card agreement, that could tie the debt in question to the debtor's account. This will make it virtually impossible to prove that the debt is owned by the debtor.

The fact is, you have every right to demand for the original credit card contract and if they cannot produce the documents, the case could be dismissed. With the right information, you can request for evidence, defend yourself in court without an attorney and have your credit card lawsuit dismissed!

Street Talk

No comments present
You May Also Like
Defense Against Credit Card Lawsuit: Fighting Evidence From The Collection Agency
It's important to work out your defense against credit card lawsuit because the plaintiff will do what it can to prove that you are the owner of the debt in question and will make you pay for every penny, including their own legal cost! During the trial, the plaintiff will…
By:  in  Legal  >  National State Local   Mar 30, 2012  
  Likes: 2

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,…
By:  in  Legal  >  National State Local   Apr 03, 2012  
  Likes: 1

How to Beat A Credit Card Lawsuit
Learning how to beat a credit card lawsuit starts with extensive researching. The fact is, just because a creditor filed a lawsuit against you does not necessarily mean they can prove their case. You can raise various defenses against junk debt buyers or collection agents but it should only be…
By:  in  Legal  >  National State Local   Apr 02, 2012  
  Likes: 3

How to Fight A Credit Card Lawsuit: Responding to A Collection Agency’s Interrogatories Correctly
Are you one of the hundreds of Americans who are facing credit card lawsuits for unpaid CC debts? Don't let your creditor bully you into paying up just because you don't know how to fight credit card lawsuit the right way! Generally, creditors assume delinquent debtors have no idea how…
By:  in  Legal  >  National State Local   Mar 25, 2012  
  Likes: 1

Fighting Credit Card Lawsuit, Winning Your Case
Facing a credit card lawsuit? You are not alone. Thousands of credit card lawsuits are filed and set out on a daily basis by junk debt buyers and collection agencies in hopes of getting more from charged off accounts they purchases pennies on the dollar on. The good news is,…
By:  in  Legal  >  National State Local   Apr 12, 2012  
  Likes: 1

Credit Card Lawsuit Defense: Fight For Your Rights And Win
Hounded by junk debt agents for old, unpaid credit card debts? If you got served and possibly facing a lawsuit in a few weeks, you need to know all the right credit card lawsuit defense you can use in order to win your case otherwise, you stand to pay not…
By:  in  Legal  >  National State Local   Mar 22, 2012  
  Likes: 1

Credit Card Lawsuit Info: Fighting Back Against Credit Claims
If you are neck deep in credit card debt and you got abusive collectors knocking on your door, there’s no better way to solve your financial problems than to instigate a negotiation rather than deal with a credit card lawsuit. However, if your creditor pressed charges already, then you have…
By:  in  Legal  >  National State Local   Jun 11, 2012  
  Likes: 0

Winning The Credit Card Lawsuit Against You
Are you being sued by a credit card company is a challenging situation to be in but fear or intimidations should not prevent you from doing what is right, which is fight the lawsuit (unless you are prepared to pay off the principal debt amount, plus interest, penalty charges and…
By:  in  Legal  >  National State Local   Mar 29, 2012  
  Likes: 1

Facing A Credit Card Lawsuit? Don’t Panic Just Yet
For many debtors who are facing credit card lawsuit, their worst fear is getting a default judgment and paying everything from the debt down to the creditors’ legal expenses. Being sued is overwhelming but it does not mean you should just give in to your emotions and start panicking. Don’t.…
By:  in  Legal  >  National State Local   Jun 13, 2012  
  Likes: 0

Countering A Credit Card Lawsuit
Receiving a summons for long forgotten credit card debt is causes a great deal of concern and anxiety for many delinquent debtors. The good news is, it’s possible to defend yourself against debt claims even without hiring an attorney. You need to focus on attending all court dates, when requested.…
By:  in  Legal   Aug 24, 2012  
  Likes: 0

Credit Card Lawsuit Defense: Facts About Collection Laws
The Fair Credit And Fair Debt Collection Practices Act provide protection against abusive debt collectors against dirty collection tactics including outright threats, intimidation, incessant phone calls, and other techniques formerly used to satisfy a debt. With this act, mean-spirited debt collectors can now be held responsible for their nasty collection…
By:  in  Legal  >  National State Local   May 16, 2012  
  Likes: 1

Credit Card Lawsuit Tips: Dealing With A Collection Company The Smart Way
No one likes it when rude collection agents come knocking on the door to collect the money and no one likes to wake up and receive a summons for unpaid credit card debts. Unfortunately, hundreds of people across the country are neck deep in credit debt and with the looming…
By:  in  Legal  >  National State Local   Jun 22, 2012  
  Likes: 0

Facts To Consider When Dealing With Credit Card Lawsuit
Thousands of people across the country are facing credit card lawsuit for unpaid debts that this actually turned into a billion dollar business for junk debt buyers, who make a living by purchasing old, credit card accounts for pennies on the dollar. In a somewhat twisted way, opportunist are actually…
By:  in  Legal  >  National State Local   May 27, 2012  
  Likes: 0

Non-Profit Credit Card Relief Companies
Non profit credit card relief companies fund credit counseling programs that make it possible for hundreds of thousands of consumers with their debt reduction issues that are always on the increase in today's world. My advice is that you should read all the details provided so that you can reduce…
By: Jerome Kesslar in  Finance  >  Credit Counseling   Jan 03, 2011  
  Likes: 0

Got Served A Summons for Credit Card Debt? Don't Call Your Creditor Just Yet!
Getting served a summons for credit card debt is definitely a stressful situation and often times; it leaves debtors in confusion as to what steps they need to take to resolve the problem. Unfortunately, many will try to contact the collection company or collection attorney and try to work out…
By:  in  Legal  >  National State Local   Apr 11, 2012  
  Likes: 3

Article Views: 1427    Report this Article