If you've been sued by your credit card company you have only a limited amount of time to take action.
You know if you've been sued if a process server or deputy delivers legal papers to you filed by the court. This paperwork can also be delivered to someone else living at your home (even a child), or sent by certified mail.
If you've been sued you have thirty-days to take the necessary steps to prevent a default judgement. It's important that if you're in this time period you consult with a lawyer about the steps you can do to help your situation.
Many people think that these situations are hopeless. But even if there is no question that you owe the money, it still might be possible to negotiate a reduced settlement or payment plan. This can help you avoid having a larger judgment assessed against you, impacting your credit, and creating a lien on your home.
There are even more options if you can dispute the debt. Maybe you are the victim of identity theft, or payments you did make were never credited to your account. In these sorts of instances a lawyer can help dispute the entire balance.
We offer legal defense services for those sued by their credit card company. Although we are based in Lexington, South Carolina, we can represent individuals throughout South Carolina. The first step would be to contact our office for a consultation. We do charge a consultation fee, however during that time we can review the paperwork you've been served with and help you determine what your best course of action should be.