You’re being sued over a credit card that you haven’t been able to pay. You know this because you were either served with papers in the mail or, to your total surprise, you were served by a sheriff. You’re scared. You’re thinking you might get arrested.
Our lawyers have experience in this situation, and we understand how much of a shock it is to be sued. You may be thinking, “how could it have gotten to this?” You’re now staring at a lawsuit, a court date, and attorneys, all over a lousy credit card.
There’s Some Good News, But Also Some Bad News…
The good news? If your lawsuit is about a credit card debt, you are not going to be arrested, even if you don’t show up for the court date.
The bad news? If you don’t show up for the hearing, and/or if you don’t file a response, and/or even if you do all of the above things but lose your case anyway, there will be a judgment placed against you. Again, this is not a good thing.
What A Judgement Means
What can be done with this judgment? It depends.
You should discuss the situation with an attorney who has bankruptcy law experience, like those at Steidl and Steinberg, before the judgment is placed against you. In some cases, the owner of this judgment can take things from you like your car, house, or the money in your bank account.
You can stop this lawsuit, in almost all cases, by the filing of a bankruptcy. For most people, it would be a Chapter 7 bankruptcy, or Chapter 13 bankruptcy. It’s highly advised for you to speak to our law firm as soon as possible after learning about the lawsuit so that our bankruptcy lawyers can give you the maximum amount of time to review the alternatives and prepare you for what’s next.
In most cases, the lawsuit can be incorporated into bankruptcy seamlessly and you won’t have to worry about losing anything.
If you are being sued or need bankruptcy help, contact us. The longer you wait, the more difficult it may be to find the right solution. Don’t worry, your first consultation is free!