Legal Question in Credit and Debt Law in Alabama

Re: sued by collections agency for credit card

There are several things. You can attempt to negotiate a lower amount to pay. The last thing you want is the judgment on your credit if you ignore the lawsuit completely. You can look into the age of the debt to make sure it�s within the Statute of Limitations. If not, then you may be able to get the suit dismissed. If the debt is owed by your ex as well, you may look to have them added to the complaint. So, several options. Make sure you file an answer, as you dont want that default judgment entered.

Re: sued by collections agency for credit card

James is absolutely right - don't let a default judgment happen.

Here are a couple of things to remember when being sued by a debt buyer - which it sounds like you are being sued by a debt buyer and not the original creditor.

http://www.alabamaconsumerlawblog.com/2007/05/alabama_consumers_sued_by_debt.html

http://www.alabamaconsumerlawblog.com/2008/01/arguments_alabama_consumers_sh_1.html

http://www.alabamaconsumerlawblog.com/2008/02/alabama_consumers_sued_the_rol.html

Hope that helps some - whatever you do don't let a default judgment happen against you!

John Watts