Q: how soon can I get sued from a credit card company for non payment
I had 4 cards with American Express, they closed my accounts on feb 5 due to not receiving information. I called them apparently the day that they were gonna close it and when I tried to provide information to them they said the person handling the accounts was busy. They didn't call me until the next day once they closed the accounts .Now they want full payment even though I was paying on time my credit cards and was not behind on payments. They filed a lawsuit online on May 15 and I got served last night at my home. I would have not been defaulted had they not closed my accounts.
A: The closure of your Amex accounts did not relieve you of the obligation to pay. That said, it raises other important questions, such as the history of the situation leading up to the account closure. I suggest you obtain actual legal representation immediately.
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A:
Generally the timeline for a credit card company to sue you for non-payment can vary. When you miss a payment, the credit card company will typically contact you to remind you of the outstanding balance and try to find a resolution. They may escalate their collection efforts by involving a third-party collection agency if you continue to miss payments.
Filing a lawsuit is typically a last resort for credit card companies, and it can happen several months to a few years after missed payments. The specific timeframe depends on various factors, including the terms of your credit card agreement, laws in your jurisdiction, and the credit card company's policies.
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