What to Do If You’ve Been Sued for Credit Card Debt
Getting served with a lawsuit for unpaid credit card debt can be frightening — especially if it feels like it came out of nowhere. At Everest Law PC, we help consumers understand their rights and take action quickly to protect themselves from wage garnishment, bank levies, and default judgments.
If you’ve been served, here’s what you need to know:
1. Don’t Ignore the Lawsuit
The worst thing you can do is ignore the lawsuit. In most states, you only have 20–30 days to respond, depending on the court and jurisdiction. If you don’t respond, the creditor can request a default judgment, meaning they win the case automatically — even if the debt is incorrect, inflated, or not yours.
2. Review the Complaint Carefully
Take time to read the lawsuit paperwork. It will usually list:
The name of the creditor or collection agency suing you
The amount they claim you owe
Deadlines to respond
The court where the lawsuit was filed
Sometimes, debts are sold multiple times and documentation gets lost. Don’t assume everything in the lawsuit is correct.
3. Know Your Rights
You have rights as a consumer — and debt collectors must follow the rules under the Fair Debt Collection Practices Act (FDCPA). You may have defenses available, such as:
The debt is past the statute of limitations
The amount is incorrect
You were never properly served
The wrong party is being sued
4. Consider Legal Representation
Even if the debt is valid, there may be opportunities to:
Negotiate a lower settlement
Challenge improper documentation
Vacate default judgments
Set up payment plans without wage garnishment
At Everest Law PC, we handle all of this on your behalf — drafting court responses, representing you in hearings, and working toward the best possible outcome.
5. You’re Not Alone — We’re Here to Help
Thousands of people are sued for debt every year — and most don’t know where to turn. That’s where we come in. Our attorneys are experienced in consumer defense law and have helped hundreds of clients reduce or eliminate debt lawsuits entirely.
Ready to Take Action?
If you’ve been served or received notice of a lawsuit, contact us right away. The sooner we can step in, the better your chances of protecting your income and resolving the issue.
Everest Law PC – Legal Support for Everyday People