How To Fight A Credit Card Lawsuit
Option 1: Do Nothing

Credit Card Lawsuit

DO NOTHING

This is NOT the way to respond to being sued for a credit card consumer debt.
Doing nothing will result 100% of the time in a default judgment being issued against the consumer. This judgment will remain on a consumer's credit report for 10 years!
Also, once a judgment has been granted, except for a very few exceptions, there is nothing that a consumer (or an attorney) can do to dispute owing the debt, the amount of the debt, or the validity of the judgment.
Once issued, a judgment is valid for 5 years, and can be renewed by the debt collector/debt buyer until the consumer dies.

  • A judgment allows a debt collector/debt buyer to attach assets (including a consumer's home).
  • A judgment allows a debt collector/debt buyer to garnish a consumer's wages.
  • A judgment allows a debt collector/debt buyer to garnish a consumer's bank account.
And, with the current status of computer tracking of all consumers, debt collectors/debt buyers WILL find the consumer and WILL find any bank accounts that the consumer has that can be garnished, and WILL find out.

Click here for your next option on how to fight your lawsuit: Attempt to negotiate with the debt collector


1. Do nothing → 2. Attempt to negotiate → 3. Represent youself
4. Retain an attorney to defend you → 5. Bankruptcy

Posted by AZ Debt Lawyer  |  Options for fight a credit card lawsuit: Do Nothing