{This blog was authored by and originally posted at our sibling firm’s website. This will hopefully be helpful if are being sued for an old debt or by a credit card company.}

People are often confused by exactly who sued them when they a served with a lawsuit over an unpaid credit card or loan. It is important to hire a skilled debt defense attorney to help you eliminate or reduce your debt.

Sued by Credit Card Company or Lender

Some individuals are sued directly by the company that issued them a credit card or a loan.  In these cases, you likely know why you are being sued. These companies may include:

Sued by Debt Collector

People are often sued by random companies they’ve never heard of. Many credit card and loan companies combine a ton of individuals’ debts and sell the debts to a debt collection agency for pennies on the dollar. May times this debt then gets sold again and again and again. Here is a good example of how it works.

If you got behind on payments on your credit card or a loan, you might find yourself in a lawsuit with one of the following companies:

What to Do Next?

If you have been sued by one of these companies or by any other debt collector, you need to act fast. Your deadline to respond depends on where you were sued, but it could be as little as 14 days in Texas.

Contact our office immediately if you have been sued. If you fail to respond to the lawsuit, your creditor can obtain an automatic win known as a default judgment. The hiring of experienced debt defense lawyers can help you eliminate or reduce the claims against you.

If you answered the lawsuit on your own, it is not too late to get the legal representation you deserve and need. Our credit defense team can help you even if a default judgment has been entered against you!