Your worst nightmare is probably to wake up and find that you’re being sued by the credit card company!  Do you deserve it?  Well, you have to put yourself in their shoes first.  Let’s say that you gave a friend $2,000 and he/she never paid you back.  How would you feel?  A credit card company is in it to make money and they will fight their hardest to get their money back.

Now, let’s say that you find out that you’re getting sued.  The first thing that you want to do is not to worry.  You’re going to find out that if you relax, things are going to go a lot smoother.

Don’t ignore the summons

Many people make the mistake of ignoring these letters.  You can’t do this because it’s going to harm you in the long run.  The judge is going to realize that you’re not going to show up in court and aware the credit card company the win.  This means that they will more than likely be able to garnish your wages and get the money they deserve.

Get financial advice from a pro

You can only get so much information on the Internet.  You’re going to want to get an attorney that’s going to help you with this situation.  If you can’t afford one, you may want to look for a non-profit counseling agency that can get you on the right path.

Look over the FDCPA

The Fair Debt Collection Practices Act (FDCPA) should be something that you look over.  If you find that this company has violated any of these terms, you’re going to want to make note of this.  If they have violated any of these terms, you’re going to find that you may be able to wiggle your way out of the debts.

You may be able to work out something with the law firm

Again, you’re going to want to get professional help to help you guide you with this, but you’re going to find that you’re going to want to contact the law firm and see if you can work something out.  By doing this, you’re going to avoid all the court fees and any other further attorney fees.  Even if you don’t have the full amount, you may be able to settle for less, or work out an installment plan.

Always make sure that you answer this lawsuit.  Avoiding it or lying to the company is just going to dig yourself a deeper hole.  Follow some of the steps above and see how it can work out for you!