Irvine, CA asked in Bankruptcy, Consumer Law and Collections for California

Q: I sued by credit card company

4 Lawyer Answers
Octavio Velarde
Octavio Velarde
PREMIUM
Answered
  • Bankruptcy Lawyer
  • San Diego, CA
  • Licensed in California

A: You should file an Answer. Otherwise, they'll get a default against you. That should buy you time to figure out next steps, including filing for bankruptcy. Once you file for bankruptcy, you'll get an automatic stay on collection efforts. You can then get the case dismissed because it'll be pointless for them to proceed.

Harlene Miller agrees with this answer

Aaron Michael Lloyd
Aaron Michael Lloyd
PREMIUM
Answered
  • Bankruptcy Lawyer
  • Redlands, CA

A: If you want to eliminate the debt then you maybe able to qualify for bankruptcy. Bankruptcy stops most lawsuits and eliminates the underlying lawsuit debt. I would suggest you consult with a bankruptcy attorney so you know your options.

Theodore Allan Greene
Theodore Allan Greene
Answered
  • Bankruptcy Lawyer
  • Sacramento, CA
  • Licensed in California

A: You need to file an answer or they will get a default judgment against you. If you have time and you qualify you can file bankruptcy before they get a default judgment and it will resolve the lawsuit. You can almost always unwind a default judgment but it will cost you some money. Call a bankruptcy attorney today!

Harlene Miller
Harlene Miller
Answered
  • Bankruptcy Lawyer
  • Irvine, CA
  • Licensed in California

A: As already indicated by my colleagues - you must not ignore the lawsuit. Immediately contact a bankruptcy attorney in your area to analyze whether bankruptcy might be a good option for you to handle this lawsuit and any other debt that you have. If you do nothing, a judgment will be entered against you that can lead to wage garnishment, a lien recorded on property you may own, and levy on bank accounts. Some of us offer a half hour no charge consultation to initially consider your options.

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