How to Avoid Credit Card Debt Summonses and Judgments

How to Avoid Credit Card Debt Summonses and Judgments

To avoid debt collectors and the potential for a credit card debt summons and the ensuing judgment, you need to take action and separate yourself from the rest of the debtors who make themselves easy targets for debt collectors.

There are two types of easy targets.The first type submits to a debt collector on the first collection call. In their minds they are guilty. They owe the debt.But, if they do not submit just so and pay heavily, their documented actions with the debt collector will become the basis for bringing a judgment against them. The second type of target put their heads in the sand and ignore all written and telephone communications from a debt collector about a debt.That opens them up to being blindsided by a credit card debt summons, to defaulting on the lawsuit, and to being victimized by a court judgment.

A consumer who disputes debt collector claims in writing can be legally difficult for debt collectors.Initially the debt dispute is done with a debt validation letter sent CRRR.

When a debt collector receives one of those, they usually ask themselves, "Do I want to spin my wheels attempting to collect from this difficult individual, or should I spend my time more efficiently with all the other easy targets." debt collectors work on commission.Time is money for them.Skipping the collection of debts that get a debt-validation-letter response is an easy decision for them, according to the Credit Card Debt Survival Guide, which contains samples and explanations of debt validation letters, as well as sample answers to credit card debt court summonses.

A properly worded and correctly organized answer to a credit card debt summons will challenge or even frustrate a debt collection attorney.One of these answers takes more work and research than a debt validation letter.However, two to three pages is usually sufficient.

Everyone who is confronted with credit card debt collection efforts should adopt an attitude of resistance, take action to protect their rights under the Fair Debt CollectionPractices Act and eliminate credit card debt, according to the Guide.Frequently credit card debts that have been sold for pennies on the dollar to junk debt buyers are what debt collectors are quite profitably pursuing.There is no reason to pay them.Regardless of what the consumer pays or does not pay on one of these sold debts, the negative listing placed by the original creditor on their credit report will remain there for the full 7.5 years.

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