Can you be sued from a credit card debt?

Yes. It's possible, but unlikely. When a debtor doesn't make a payment between 4-6 months, the creditor must make a decision. But keep in mind that credit card debt is unsecured, meaning that the creditor has no collateral as security for the loan.

They have several alternatives: 1) they can do nothing and hope that you will soon make a payment. 2) they can continue to try and collect from you. 3) they can sell your debt to a debt collector, or 4) the creditor or debt collector can sue you.

If the debt collector decides to sue you, they must weigh the costs with the potential benefit. First, they may perform an asset investigation. An investigator will look into your assets (e.g. real estate property, autos, personal belongings, savings/checking accounts, etc.) and determine how much you own. If they feel that you have a substantial amount of assets, they may decide to sue.

They also must take into consideration court costs, attorney fees, and loss of time. If the debt collectors feel that the potential costs will outweigh the risks, they probably will make you a offer to settle your debt for a steep discount.