If you do not pay your balance on your credit card, there is every possibility that your credit card agency will file a lawsuit against you. Even if you are sued by it there is possibility that you can get the opportunity to fight against it in the court even when you actually owe a debt. This article will highlight on the important tips that you should follow to defend yourself in the lawsuit that is issued by the credit card agency.
You should ask for an answer from the credit card agency and the court
If a credit card agency sues you, there is possibility that you will be served with a court summon and you will also be served with a complaint. This type of summon contains the necessary details of your case such as the date of hearing and so on. The complaint that you receive contains the details of the total amount of money that it claims that you actually owe. If you wish to defend yourself in your court, you should first answer the court summon as well as the complaint and you should also give one copy of your reply to your credit card agency and the court as quickly as possible.
You should defend yourself successfully in court
The next step is to develop effective defensive technique to win the lawsuit. Unless and until you do not develop your defense properly, there is possibility that you will lose the case and that the judge will pass his judgment in support of it. If you do not owe your debt, you may use it as your own defense. Plus, you can make use of the statute of the limitations that has expired as your own defense in the court. In fact, it gets a restricted period of time within in which it needs to file a lawsuit against his debtor who fails to repay it within a stipulated period of time. If that period of time has already passed and if it has issued a lawsuit, it is advisable that you should immediately inform about the termination of the statue of the limitations. If you do so, there is possibility that the judge may dismiss the lawsuit against you without any sort of delay. Although the court does not make it mandatory for you to hire a lawyer for your defense against this type of lawsuit, it is advisable that you should hire a proficient lawyer who can handle this type of lawsuit in the best possible way.
Let your creditor bears burden of your proof
When you are able to prove that you do not owe this type of debt, then the onus to prove that you actually owe it lies in this type of agency. If it does not possess relevant documents that are necessary to prove that you actually owe debt, then there is possibility that you can use this particular fact in order to defend yourself in court. If it realizes that it does not have the necessary documents and if you ask for a reply from it, there is possibility that it may often dismiss the lawsuit as quickly as possible.