Do you have a defense to a Credit Card Complaint?

The majority of people being sued on a credit card debt end up in default for not responding to the lawsuit timely. The result is a win for the party suing them, and they accomplish this without even proving that the lawsuit was correct from the start. Actually, most of these types of lawsuits are filed by debt collectors who have purchased a large number of default accounts from the original creditor for pennies on the dollar.

The problem with many of these lawsuits is that the debt collector cannot prove that the debt they are seeking to recover is actually owed or that the amount they are trying to recover is correct. Actually, in some cases these debt collectors filed suit against the wrong person. They file suit against someone who never had an account with that company at all.

Additionally, there are times when these debt collectors file suit on a debt that is past the limitations period for filing a suit. This time period is called the Statute of Limitations. The Statute of Limitations limits the time period for when a suit must be filed.

In Florida, you only have 20 days from the date that you are served with a complaint to file a response. If you sit by and do not do anything, you will have a default judgment entered against you. You may have defenses to such suits, as many times there are mistakes or deficiencies with the complaint for which a defense can be provided.

Remember, you have rights. If you or someone you know is experiencing this problem, contact an attorney today for a consultation. You may have viable defenses to the suit that was just filed against you.

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