Credit card debt lawsuits in California
If you have credit card debt that the creditor claims you did not pay, you may be facing issues with debt collectors or even a lawsuit. The steps below give an overview of the typical steps involved in credit card debt lawsuits.
Important things to know
- You will not go to jail for having an unpaid credit card debt or having a judgment against you
- You may be able to negotiate and settle your credit card debt, often for less than you owe
- Another company may have bought your debt from the original credit card company and this debt buyer may be who is suing you
- You may defend your case, and it is up to the creditor to prove that you owe the money
- If you lose, there are limits as to what the other side can take from you to collect the judgment