The sheriff arrives at your door with papers, or, the mailman asks you to sign for a certified letter.  Uh oh, you have just been served with a credit card lawsuit.  What do you do now?  Let’s start with what you should NOT do… with number one on the list being: ignore the lawsuit.  You can’t pretend that you didn’t receive it, and you cannot hope that it will go away on its own, because it won’t. Number two, do not call the creditor.  This is a huge mistake that many people make.  You are not a negotiator, (well, chances are that you are not a negotiator) so you shouldn’t speak to the creditor (in addition, you might be better off defending the lawsuit than negotiating it).  Number three, do not call a debt settlement company.  As we have mentioned in other posts, every single debt reduction or debt settlement company that we have encountered has either been in a best case scenario a company that grossly overcharges and in a worst case scenario a complete scam.

So what do you do?  Call a consumer attorney.  For the life of me, I cannot figure out why this isn’t everyone’s first choice.  My office offers a free initial consultation on a credit card lawsuit, as do most other reputable consumer law firms.  Let an attorney who deals with this sort of issue on a daily basis review your lawsuit.  I will tell you if you should defend the case, negotiate, or take another action.  Certain cases should absolutely be defended, and others absolutely should be negotiated.  A good consumer attorney can usually make this judgment in a few short minutes.  Take the time and contact our office or the office of another consumer attorney if you are faced with a credit card lawsuit.  412-823-8003 or 1-888-536-6644 for a free consultation.