How do I respond to a credit card debt collection lawsuit summons?

Legal (General)

Clay G., Esq.

5,260 satisfied customers

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Before the deadline stated in the summons, you will either need to reach a settlement with the plaintiff, or you will need to file a response to the complaint with the court. Your response would need to admit or deny each allegation in the complaint, and it could also assert any defenses you might have. (Fed. R. Civ. P. 8(b)(1))

Examples of defenses include that the amount sought has already been paid or that the statute of limitations has already expired.

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Hello. I received a summons last evening regarding a debt collection suit for my credit card with my bank. I need to answer in 20 days. I do not know how to do that. Could you direct me please?

Lexi, Chatbot

I understand that receiving a summons can be very stressful. Can you tell me if you have already responded to any previous communications from the debt collector?

I called them about a year and half ago when I realized I was not able to make payments. On the summons, there is the name of an attorney who may have called me, but I thought it was a scam and deleted it, as I get loads of scam calls after turning 65. I did not talk to them and did not know it was for my card debt.

Lexi, Chatbot

Have you had any prior legal issues related to this debt or any other debts?

No.

Lexi, Chatbot

Is there anything else the consumer protection lawyer should know before I connect you? Rest assured they'll be able to help with your debt collection suit.

Yes.

Clay G., Esq.

Hello! I am Clay, an attorney with several years’ experience, and I will be assisting you with your question today.

Please give me a moment to review your question. Some answers may take a bit of time to prepare, so if you do not hear from me immediately, rest assured that I have not forgotten about you!

Clay G., Esq.

How are you today? I understand you were served with a lawsuit for unpaid credit card debt. Is that correct?

Clay G., Esq.

Since I haven't heard back from you in a while, I will go ahead and answer your question based on the limited information you have provided.

Clay G., Esq.

Examples of defenses include that the amount sought has already been paid or that the statute of limitations has already expired.

Clay G., Esq.

Please let me know if you have any follow-up questions about this. It was my pleasure to assist you. Have a great day!

Clay G., Esq.

5,260 satisfied customers

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