How to Fight a Credit Card Lawsuit: Filing an Answer to the Lawsuit

One of the first things you should learn is how to fight a credit card lawsuit if you represent yourself instead of having a lawyer represent you in court. It all starts with filing a Credit Card Complaint Response. Unfortunately, not many debtors know how to fight a credit card lawsuit or are too afraid to step up and fight for what is theirs.

Most courts will assume that defendants will retain their own attorneys. On the other hand, if you learned how to fight a credit card lawsuit without hiring a lawyer, then our responses to the lawsuit are expected to be handwritten, rather, typewritten.

One thing to remember is that if you are responding Pro Se, which is in simple terms, representing yourself, you should obtain a copy of the top of the Complaint and change the title of the response.

Most courts will require that Answers be written in the legal or accepted format. If you write your answer by hand, you risk having it sent back to you. Look at it this way, if the Complaint was served on you in a legal format, then your Answer should be as well; Otherwise, you risk having these written documents sent to you, which could weaken your defense.

In most cases, something as simple as filing an Answer ON TIME will make creditors think twice before pursuing the case. The reality is that taking legal action is more expensive, which is why many creditors are willing to settle with their debtors rather than go to court and submit the paperwork to build their case. Buyers of junk debt will have a harder time taking legal action because they often do not have access to important documents, such as the original credit card agreement, making it difficult to prove that the defendant actually owns the debt.

The key is to remember that unless the party suing you is your original creditor, getting the plaintiff to prove that the debt is theirs is nearly impossible, since junk debt buyers and collection agencies have no the correct documents that the debt under your account! You have the right to demand these documents, otherwise the case could be dismissed. With the correct information, you can request evidence, defend yourself in court without a lawyer, and have your case dismissed!