Legal Question in Credit and Debt Law in California

Re: How to file a cross-complaint

You asset one cross-complaint with a different cause of action for each legal theory that you wish to assert. Representing yourself against a credit card company will be very difficult, so you should consult a local attorney as soon as possible.

Re: How to file a cross-complaint

You will need to do an answer and a cross complaint. My office has prepared similar cross complaints for in pro per litigants before.

Re: How to file a cross-complaint

You need to have proper causes of action to bring a cross-complaint. You may want to remove the case to federal court if there is a violation of the Federal Fair Debt Collection Act. I would be happy to advise you if need to have your facts and documents reviewed.

Re: How to file a cross-complaint

Although I concur with the response from my esteemed colleagues, you might consider calling opposing counsel to strike a pre-litigation settlement deal. You may save yourself a lot of time and aggravation by simply paying your bill. The Plaintiff may be willing to make things easier by giving you a sizeable discount. If they would do so and you would be found liable for the bill anyway, this may be a good strategy to save litigation expenses and come out ahead.