Can I Get Sued For Credit Card Debt?

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Credit card lawsuits are very common. Literally millions of consumers are sued each year for credit card debt. If you’re behind on a credit card, you may get sued by your credit card company or a “debt buyer.” Contact BCJ Law’s debt defense attorney if you’re getting sued by a credit card company or a debt buyer for credit card debt. Complete our contact form or call us at 1-800-997-5561.

Can credit card companies sue you after a charge-off?

People often think they can’t get sued because their credit card company “charged-off” their credit card. This is a common misconception. A charge-off is simply an accounting procedure. It doesn’t mean you no longer owe on your credit card account. Simply put, you can get sued even if your credit card is charged-off by your credit card company.

How often do credit card companies sue for non-payment?

"Literally millions of consumers are sued each year for credit card debt."

Some credit card companies sue consumers often, while others never file suit. The likelihood of getting sued by a credit card company also depends on where you reside.

Some credit card companies, like Discover Bank, American Express, and Barclays, sue consumers often. Other credit card companies, like Capital One BankSynchrony Bank, or Comenity Bank, may sue you in their own name, or may sell your account to a debt buyer, like Midland FundingPortfolio Recovery Associates, or Cavalry SPV I LLC. Yet other credit card companies, like PNC Bank or Chase Bank, rarely (if ever) file suit against consumers.

How long do credit card companies have to file suit on a credit card account?

Generally speaking, credit card companies have until about 4 years and 1 month after the date of your first missed payment to sue you. One important exception, is full or partial payments on your credit card debt. For example, say your account is delinquent for 3 years and you make a partial payment. That partial payment may extend your credit card company’s ability to sue you for another 4 years.

The legal concept that prevents credit card companies from suing you after a certain period of time is called the statute of limitations. To learn more about the statute of limitations, read out post on when debt becomes uncollectible in Pennsylvania. If you get sued on a debt past the statute of limitations, you likely have a defense to the lawsuit and a claim for damages. Please contact our debt harassment attorney to learn how we can help. Call 1-800-997-5561 or complete our contact form.

A company I never heard of is suing me for credit card debt?

People often are sued for credit card debt by companies they’ve never interacted with or never heard of. If this happens to you, that likely means you’re getting sued by a debt buyer, which is a company that buys old debt at steep discounts then sues consumer for profit. If, however, you never owed a credit card account, or you paid all your past due accounts, you may be getting sued for a debt you don’t owe.

If you have a past due credit card account, it is more likely that you’ll get sued by a debt buyer than your credit card company. While some credit card companies sue consumers often, in our experience, debt buyer lawsuits are much more common than lawsuits filed by credit card companies. Fortunately, debt buyer lawsuits also are much easier to beat than lawsuits filed by credit card companies. Contact our debt defense attorney if you’re getting sued by a debt buyer or credit card company. Call 1-800-997-5561 or complete our contact form.

Can I beat credit card lawsuits?

Your ability to beat a credit card lawsuit depends on many factors. For example, our debt defense attorney analyzes the following when determining your chance of success:

  • The county and court in which you credit card lawsuit is pending.
  • Whether your getting sued by a credit card company or a debt buyer.
  • The law firm representing the debt buyer or credit card company suing you.
  • The type of credit card account at issue, the amount of debt, and the age of the account.

To learn more about how BCJ Law can help, read our posts on credit card lawsuits and our debt defense service. Depending on the court in which your case is pending, read our post on magistrate court debt collection lawsuits or court of common pleas debt collection lawsuits. If you need help call us at 1-800-997-5561 or complete our contact form.

Hire BCJ Law to help.

If you’re getting sued by a credit card company, or if a debt buyer is suing you for credit card debt, contact BCJ Law’s debt defense attorney for help. Call us at 1-800-997-5561 or complete our contact form.

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