What should you do if you are being sued by a credit card company?
You need to talk with an attorney immediately. If you cannot afford an attorney, there are groups who will represent you at no or little cost. Check your local telephone book under "low-income legal services." A most important consideration at this stage is DO NOT IGNORE THE TIME PERIOD stated in the Summons. If you know you are being sued then you must have received a copy of the Summons and Complaint. The Summons will tell you that you have a certain amount of time to file an Answer to the complaint. If you do not file that Answer, either on your own or through an attorney, the court may assume that you admit that you owe the money the credit card company says you owe and allow the credit card company to get a judgment against you. Be warned that even if you feel you do not owe this debt, you must not ignore the summons or the court will accept a written affidavit from the company saying you do owe the money and give it a default judgment against you. Then it can proceed wage garnishments or other collection methods. I have personally seen too many people ask how can a credit card company get a judgment against me if I don't owe the money. They can if you do not tell the court in an Answer the reasons why you feel you don't owe the money. If a creditor gets a default judgment against you it might be possible to have the court set it aside, let you deny the claim and proceed with the case. Also, don't simply assume that the amount the creditor claims is due is really due. Creditcard companies routinely claim more money than is actually owed by saying that debtors have run up interest and penalty charges when those charges may very well be illegal or not payable under the credit agreement. Also, sometimes the credit card company lawyers claim that you owe attorney's fees too and they demand a specific amount for those fees which is added to the amount of the basic debt. Many times these fees are overstated, but if you do not answer the complaint a court might simply rubber stamp the request. Here is an example: I represented a person who had a default judgment entered against him because he did not answer the complaint. The claim by the company included the amount of the debt, plus interest from his last payment to the date of the filing of the complaint plus attorneys' fees. The client did not answer the complaint because he assumed that the amounts calculated in the complaint had to be right. But he was wrong. The amount of interest and attorneys' fees had been overstated in the complaint. The credit card company could not prove to this court's satisfaction that their amounts were correct. He was lucky that this court required specific proofs of the amount owed. Not every court will be so vigilant. But he still had one big problem. His credit record now showed he had had a judgment entered against him. Plus, even though the judgment was about $3000.00 less than the complaint said he owed, he had to pay over $600.00 in extra fees because the default judgment had been sent to a court officer to begin the process of wage garnishment. So do not let them get a default judgment against you because it might be for more than you really owe and even if it is not, you may incur unnecessary costs if you allow the process to move along without objection.
You should call the credit card company. Read More
No, a company can not charge a credit card without permission. This violation should be reported immediately to your credit card company. Read More
The credit card should be returned to the credit card company or destroyed and the company should be notified immediately of the death so the account can be closed. Read More
If you are being sued by a credit card company can they take your house? Read More
Can the credit card company sue you even though you are not a citizen of the country where you get the card?
Yes. Why should your citizenship matter? If you did something that harmed the credit card company, they can sue you. Read More
Immediatley contact the credit company to suspend the card, this prevents it being used by anyone who may have it. The credit company will supply you with a replacement, usually for a small fee. Read More
You jave to call the credit card company. The phone number should be on the back of the card. Read More
Can a credit card company bill a consumer for unauthorized charges if the credit card was improperly issued by the credit card company and the card was not activated and was stolen from the home?
Notify them that the credit card was stolen to the credit card company and dispute all the charges on the credit card. You would also have to file a police report if the credit card was stolen. The credit card company must investigate the charges. Read More
No, you should not have to take out a credit card in your name for business use. Also, if you do this and something goes wrong with the company, YOU will be responsible for the credit debt. If the company wants to use credit cards, it should take them out itself and supply these business cards to its staff. However, a company can require you to accept responsibililty for a company credit card issued for… Read More
1. Inquire to the customer service of the credit card company or you can go directly to the credit card company such as Citibank. 2. Ask about what are the requirement in applying a credit card 3. You need to know also the credibility of the credit card company if they have good records. 4. If you know the details about the credit card company, you go directly and ask about the guidelines, terms and… Read More
Credit card interest in calculated daily. For example, if you have a credit card with 12% apr, you would divide the interest by 12 months. You should always check with your credit card company on how they calculate your credit card interest. Read More
You should report the charges to your credit card company immediately. They have a dispute process for such charges. Read More
Incorrect credit card statements should be thoroughly checked to make sure the errors are caused by the credit card company. Find a possible cause if that is not the case, but get in touch with the company that issues the statements and work out the error in a cordial manner. Read More
What should you do if you were a victim of credit card fraud and you are now being sued by the credit card company?
hire a lawyer. I had charges thru my checking account where someone used my debit card. I contacted the bank & they resolved it for me. And I did get my money back. Good Luck! The credit card shouldn't be suing you unless the problem has been let go a long time. The first thing you should have done was dispute the charge with the credit card company. Then you should have filed a police… Read More
Should your sister be paying on her credit card balance if her credit card debt has not yet been discharged but her accounts have been closed by the credit grantor?
Your sister should not be paying on the credit card balance. In fact, the credit card company cannot even legally send her statements because she is protected by the automatic stay. Read More
You should get a hold of a debt consolidator who will then go to bat for you with your credit card companies. They will work out a settlement that can be agreed upon by both the credit card company and yourself. Read More
There has to be a reason for the card to be declined ! Contact the card company and ask them why the card was refused. Common reasons for a card being declined are... Insufficient funds in the bank account, not enough credit balance on the card, or the card is reported lost/stolen. Read More
If you are served with lawsuit papers from a credit card company, contact an attorney immediately. If you wait, your time to answer the petition will expire and depending on the state you live in, that credit card company can obtain a default judgment to garnish your wages or your checking/savings accounts. Read More
The credit card company may be calling your relative trying to locate a debtor - the best option is to either notify the company that you cannot locate the person being asked about or to give the company the debtor's contact information. Either way, the company should leave your relative alone once they have determined the debtor cannot be found at that location. Read More
If one has lost their they should call their credit card company ( Mastercard, American Express, etc.) and cancel/block their card IMMIDIATELY Read More
You will default on your credit card accounts. Being an unsecured loan, there is little a credit card company can do. That is a risk credit card companies take. Regardless of why you can't pay, non-payment will result in default. The extent to which a credit card company will attempt to collect depends on whether or not they feel you have sufficient income. Read More
The term 'credit card company' is a common noun, a general term for any credit card company. A proper noun is the name of a specific credit card company, such as American Express, Capital One, Citibank, etc. Read More
You should not have your credit card information on your 'phone. If your 'phone is stolen or lost you are open to fraud. The credit card company can hold you liable for negligence and will not make reparations. Read More
Can a credit card company activate your credit card before they send it out without your permission?
No. Major reputable credit card companies won't even activate your card until you have the device in your hand. Reputable credit card companies will NOT activate your card prior to sending the card out regardless of your permission. Activation by trustworthy credit card companies ONLY is derived after the card is mailed AND you have provided both identity and physical proof that the card should be activated. Answer A credit card company is not allowed… Read More
Will you need to go through a credit check in order to get a corporate credit card from your company if the credit card is in your company's name?
That decision is up to the credit card company. If the corporation is relatively new or had no credit history, the credito card company might demand that you personally guarantee the debt and you will need to have a credit check. If you have been in business a long time, the credit card company MIGHT not require a personal credit check. Read More
Return it to the card company ! Read More
A credit card company act as a 'liaison' between the customer and the business. The customer presents their credit card to the retailer - and the card company pays the retailer for the goods the customer has purchased. The card company charges the customer interest each month on the outstanding balance - in payment for the convenience of being able to make (often expensive) purchases, without having to h=cary large amount of cash. Read More
Write to the company and ask them ! Even if your case is being handled by a lawyer, your account is still 'live' at the card company. Read More
your company got you to sign an authorisation form when you took your company credit card. This form contains a joint and several liability clause. This clause means that if your company does not pay their credit card bill then you will be liable for it. Is this unfair? Yes. You should categorically refuse to sign one of these/ Read More
Generally, yes. You should let your credit card company know where and when you will be using the card. Otherwise you may experience delays when the company suspects the account number has been stolen when you try to use it. Read More
no. most of credit card company will decline you appilication. Read More
If someone needs help with their credit card bill then the first place they should ask is their credit card company. They can give more details on the transactions and help resolve issues. Read More
You should apply directly to the supplying company and or your bank Read More
Can a credit card company deny you purchases if someone else at your address is delinquent with the same company?
It depends on the terms and conditions of the credit card company. Ask them to send you a copy if you do not have the one that came with your credit card. Read More
This amount is different for everyone and depends on your specific credit card, credit history, credit card company, etc. The best way to find out what your limit is is to contact your credit card company directly. Read More
No...you need to call your credit card company and file a complaint. Read More
A commercial credit card is one that is issued to a company or business. It normally shows the users name and the company name on the card. Read More
The Consumer Credit company offers consumer credit card counsesling on how to reduce your credit card debt on their website or on their phone number 800 769 3571. Read More
"Whether a debtor keeps credit cards after filing bankruptcy is up to the credit card company. If you are discharging a credit card they will cancel the card unless you reaffirm the debt. Even if you have a zero balance the credit card company might cancel the card." Read More
You can simply write to the credit card company and close your account. Then you can cut up your credit card. Read More
It means a credit card company wants to put you into debt by giving you a credit card you can use. Read More
A motorcycle that was paid for on a credit card can not be repossessed considering the credit card company paid the dealer. You must pay the card company back though or they can take you to court. Read More
To find out if your company offers particular credit cards for employee use, one should speak to the Human Resources department who should be able to offer advice. Read More
Only if the card reports to the CRA's Read More
Send a letter to the credit card company. Include all the pertinent information about account numbers and addresses. A copy of your letter of authorization from the court should also be included. The credit card company will then file a claim against the estate for any balance owed. Read More
Yes, if the credit card company is a "well known" company than it is more than safe. if it is a credit card company that is new or seems illegible then it is best to stay away unless there is proof that they are a good company. Read More
Call the company and ask for it Read More