Did you receive a summons from the court for a debt that you owe? Credit card lawsuits and debt collection lawsuits are very common in light of the weak U.S. economy, and it’s up to you to make the smart decision when defending your case.


Note that in California, by law and according to California Code Section 412.20, you have 30 days to respond to the suit.  If you don’t respond and don’t show up in court, the creditors will win by default judgment and you will be legally obligated to pay. If you do not pay, be prepared to have your wages garnished or your property taken away.


You know you owe them money, so how can you win when defending yourself? It really is all in the important details.


  • Does the company legally own your debt and can they legally collect on your debt?
  • Is the amount they say you owe true?
  • Do they have all the proof of their allegations?


Many debt collection lawsuits are initiated and predicate on the fact the most people do night even attempt to fight back or investigate the lawsuit and therefore, an automatic win (default judgement) is resulted. Don’t let this happen!


If you are confused about how to respond to a credit card lawsuit, contact my law firm at 949-200-8755. Our credit card defense attorneys of Orange County can evaluate your situation to help you make the best decision for you. We are conveniently located near the John Wayne airport and always offer free initial consultations.