What to do if you are Sued for Credit Card Debt

Clients Helped

48000 +

Cases Defended

75000 +

5 Star Reviews

950 +

⚠️ Don’t Ignore the Lawsuit

Sued for Credit Card Debt? If you’ve been served with a lawsuit for unpaid credit card debt, you must respond. Ignoring it will likely result in a default judgment, which gives the creditor legal power to:

Garnish your wages (in states where allowed)
Freeze your bank accounts
Place liens on your property

Even if you think the debt is old, inaccurate, or unfair, doing nothing gives the creditor a win. You must tak action if you are Sued for Credit Card Debt.

Toll Free: 800-220-4318

📝 Prepare Your Answer

Your first step is to file a written Answer with the court. In your Answer:

Deny the allegations unless you’re 100% sure they are true
Avoid saying things like “I couldn’t pay” — that’s not a legal defense
Keep it brief, factual, and professional

This must be done within a specific deadline — usually 14 to 30 days depending on your state.

🛡️ Assert Legal Defenses

You may have valid legal defenses, including:

The creditor can’t prove they own the debt
The balance is inaccurate
The debt is too old (statute of limitations)

These defenses can give you leverage to win the case or force a settlement.

🧾 File with the Court and Notify the Other Side

Once your Answer is prepared:

File it with the court before the deadline
Send a copy to the opposing attorney (usually listed on the lawsuit)
Keep proof of both filings for your records

This protects your rights and ensures you won’t lose by default.

🧾 Who Files Lawsuits?

Many Creditors File Lawsuits. Original Creditors and Debt Buyers.

Here is our list of the Creditors who sue the most.

👨‍⚖️ Consider Hiring a Debt Defense Attorney

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.