Everyone knows that credit cards can quickly go from a convenient form of payment to a cause for financial concern. Unfortunately, sometimes this means getting served with a summons from the credit card company or a debt collector that’s suing you. If that happens, you need to call a credit card lawsuit defense attorney as soon as possible. Without one, your troubles are only going to get worse. Even if you’re completely unfamiliar with the person suing you, simply ignoring the summons is not an option. In fact, this is a really good way of ensuring the judge rules against you and enforces the opposing party’s demands. Keep in mind, that you may have as little as 11 days to respond. While you don’t need a credit card lawsuit defense attorney by then, it will certainly help. In order to assert their rights over your finances, debt collectors need to show the proper paperwork. This is where having a good defense attorney on your side can make a big difference. Though the debt collector needs to present the documents to the court, a qualified attorney will know how to find any holes that may get the case thrown out. Another common way an attorney can help is by reviewing the methods the collectors used to try and get payment. There are very specific rules under the Fair Debt Collection Practices Act and if they broke any of them, an attorney can help you recoup damages you’re owed for each transgression. Attorney fees can be included too. Of course, sometimes, there is no wiggle room. You incurred the debt and now you can’t pay it. Many people in your situation see no other alternative but to file bankruptcy. Credit card debt is one of the main reasons people do. However, there are a number of alternatives worth exploring and a credit card lawsuit defense attorney can be very helpful in explaining them all to you, so you make the right choice. Sometimes, they can even help you work with the credit card company or debt collector to find a way to get them paid back. Lastly, remember that attorneys are not here to judge you and are bound to keep your conversations private. Getting a summons is always scary, especially if you know it’s because of your debt situation. However, this is no reason to let the fear get to you. Instead, let James Foley, attorney at law, help you through this difficult time.