What is the process for when a collection agency sues you for a credit card debt you owe?

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Collection agencies

Collection agencies do not have the power to initiate a lawsuit. They may refer an account to an attorney licensed in the debtor's state, who can then file a lawsuit. The debtor/defendant will receive a summons with a date to appear in court, if the defendant does not appear the plaintiff will win by default and a judgment will be entered against the debtor/defendant. All states have a set of exemptions that allow a debtor to protect specific amounts and certain types of real and personal property. Most judgments are executed as wage garnishment or bank account levies, other possibilities are liens against real property and the forced sale of non-exempt property that belongs to the debtor(s). When facing a creditor suit (or any type of lawsuit) it is advisable to seek legal counsel, most attorneys offer free or minimal fee consultation.

First answer by ID0000000000. Last edit by Macky. Contributor trust: 3622 [recommend contributor]. Question popularity: 201 [recommend question]

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