Do Credit Card Companies File Collection Lawsuits?

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Credit Card Collection Lawsuits are on the rise. Yes — credit card companies absolutely file lawsuits to collect unpaid balances, and they do it often.

Many consumers are surprised to learn that even a small balance, like $500, can result in a lawsuit. If you’re behind on payments, here’s what you need to know.

Credit Card Companies File Thousands of Collection Lawsuits.

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🧾 Why Credit Card Companies Sue

Credit card issuers like Capital One, Discover, American Express, and others lend billions of dollars to consumers. When accounts go unpaid, these companies — or the debt buyers they sell to — often turn to the court system to collect.

These lawsuits are not personal — they’re part of a high-volume legal strategy designed to:

Recover delinquent balances
Secure court judgments
Enforce collection through garnishments or levies (in applicable states)

💵 They’ll Sue for Any Amount — Even $500

You might think, “Why would they sue me for just $500?”

The truth is: creditors will file lawsuits for any amount, no matter how small. That’s because:

They file hundreds of thousands of lawsuits each year
Filing fees are a minor expense in the grand scheme
A court judgment allows them to collect with interest, fees, and legal costs
Many people don’t respond, so the creditor wins by default

Don’t assume a small balance will be forgotten — it won’t.

⚠️ What Happens If You’re Sued?

If you’re served with a credit card lawsuit and do nothing:

The creditor will likely get a default judgment
They can use that judgment to garnish wages or freeze bank accounts (depending on state laws)
The judgment may grow with interest and costs over time

👨‍⚖️ What Can You Do?

Debt collection lawsuits can be technical. A mistake in your response could cost you the case. That’s why many people choose to hire an experienced attorney.

Weston Legal has defended hundreds of thousands of credit card lawsuits and may be able to:

Get the lawsuit dismissed
Settle the case for less
Help you avoid wage garnishment or judgment

We charge flat fees and offer affordable payment plans to make legal help accessible.

📞 Take Action Today

Don’t wait until it’s too late. If you’ve been sued for credit card debt, take control of your case now.

Contact Weston Legal for a free consultation and find out how we can help you fight back.

Mike Weston, Esq.

Mike Weston is a seasoned debt lawsuit defense attorney and founder of Weston Legal. Since 2005, Mike has devoted his career to compassionately helping consumers struggling with issues involving their personal and business debts. Mike is grateful to have been able to help tens of thousands of clients become empowered with knowledge on the path to financial stability.