What to Do if You’ve Been Sued by Credit Card Company in Arizona
Being served with a credit card lawsuit is not fun. The process server usually serves you at your home or place of business when you aren’t expecting it. It can be very stressful to deal with being sued by your credit card company and trying to figure out what to do next. It may even be tempting to just ignore it. But it is very important that you take quick and decisive action.
Arizona Rules of Civil Procedure Limit Your Time to File an Answer or Response
Under the Arizona Rules of Civil Procedure, if you’ve been sued by your credit card company, you have only 20 days to file an answer or responsive pleading. Under some circumstances, such as if you are served outside the state of Arizona, you may have a little longer, but you should absolutely not assume that you have more than 20 days. Typically this time period will begin to run from the moment you are served with the summons.
Failure to File a Timely Answer to the Complaint Can Have Dire Consequences
Ignoring a credit card lawsuit is the worst thing you can do. If you fail to file an answer with the court on time, the credit card company can get a default judgment against you for more than the amount you owe. They may also try to tack on attorneys fees and costs. Once they have a judgment, the table is set for the credit card issuer to try to garnish your bank account or wages, or take any number of other collection actions against you.
Hear what Kevin McCarthy has to say about what you should do if you’ve been sued by your credit card company:
We Offer a Free Consultation if You’ve Been Sued by Your Credit Card Company
It is important that you seek professional advice as soon as you are served with a credit card lawsuit, or even if you think you may be sued. We can usually get you in very quickly, sometimes even the same day, for a consultation with one of our credit card defense attorneys. Please do not wait, call us today for a free consultation.
The information on this website is not intended as specific legal advice. You should always consult with a licensed attorney about any legal matters you have questions about.