Answering Credit Card Summons
If you’ve ever been called by a collection agency or contacted by your bank for summons then you know what it’s like to be hassled and try to figure out how to handle everything fast. Don’t let them intimidate you though! This is definitely a case you can win so don’t even consider giving in or not responding. That’s what they want you to do! I’m here to tell you from my own experience that you too can win your credit card lawsuit just as I did! I’ll share a few tips on how it works in the beginning.
As mentioned before, I was sued by two junk debt buyers and won! I have been sued by the original creditor too, which was Capital One, and I won that case as well. If you do not have money for a lawyer right now but have found yourself in a bit of a bind, take a look at my Defendant Package for guidance on how you can get through this entire process on your very own. You don’t need an attorney.
Once you’ve been served, your summons will let you know exactly how many days you have to respond to the complaint. You should have found this complaint attached to the court summons. It lists the Counts against you and how much the Plaintiff is demanding from you to pay if they get their judgment. (Emphasis on “IF”!) You can easily win! You just need to know how to fight. The summons itself is telling you that you will have X amount of days to answer the summons or else you will be in Default. Make sure you read through these summons that come in the mail.
It’s important for you to understand what happens when you ignore your summons. Ignoring your summons is in no way helpful. If the summons is ignored then every cent of the Complaint along with attorney costs is added on, and you will receive a Default Judgment. If your summons is answered, you will List your Affirmative Defenses and either admit to each count or deny each count. In addition to filing your Summons you should also file your notice to appear.
After you’ve filed your answer the Junk Debt buyer will either send you Discovery or dismiss the case. Keep in mind that most dismiss because they do not have the time or even want to spend the money on a person who they know are fighting them back, and if they don’t have any documents to back up their claim then they really won’t. You have a great chance at winning. However, if they don’t dismiss the case, you will have to answer all of their Discovery and send out your own to the Plaintiff. The trial typically begins after Discovery and most people don’t get this far unless they know what they’re doing. With my package you will know exactly what to do because I’ve included the template and documents and tips from how I won my own cases. I made a vow after winning that I’d help other folks like myself get through it so it’s up to you to take the step and at least try. I know it will benefit you!
Learn more about winning a credit card lawsuit. Stop by my website where you can find out all about court summons and how you too can win your case, even without the help of an attorney.
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