Three Questions About Credit Card Debt Court Summonses

How Do I Answer to a Court Summons for Credit Card Debt?

First the good news is your answer only needs to be 2-3 pages long. It should contain your answer probably a denial to the specific charges in the complaint & state all of your possible defenses.

It is very important that the answer is in the format & contains the wording required by your local court?s rules of civil procedure. To avoid a default those rules will probably require you to send copies of your answer to the summons/complaint to the court & to the plaintiff within 20 days of receiving the summons. You should send everything certified return receipt requested so you have proof of receipt according to the Credit Card Debt Survival Guide.

What Is a Good Defense?

They are several good defenses. One makes the plaintiff prove there is contract for the alleged debt another makes them prove the amount they say is owed & a third makes they prove they actually own the debt.

The plaintiff must prove & document your ownership of the debt. You do not have to admit to the debt in court.

Local Attorneys I Have Spoken with Want a Large Retainer to Take My Case. How Can I Find Help?

If you have asked local attorneys for their help with the summons & court case you have probably been told their services will cost a lot of money. That is because they do not how much of their time will be involved in the case.

Critiquing an answer to a summons is basic legal task. Approach a newly minted attorney for an hour of their time. Or if you have low income you could be eligible for legal aid.

Remember debt collection attorneys do want to litigate with a consumer who actually responds to their summons. They want the easy money in non-answer defaulters.

This content is not intended as a substitute for legal advice. If you need an attorney in your local area please contact a licensed attorney in your state.

Matt Highlander did research for Credit Card Debt Survival Guide for consumers seeking to educate themselves about credit card debt relief.

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