4022 Shipyard Blvd Wilmington, NC 28403
Sued by a Credit Card Company?
Bankruptcy May Stop the Lawsuit and Eliminate the Debt
If you’ve been served with a credit card lawsuit, you are not alone. Thousands of people face these lawsuits every year when debt becomes overwhelming.
The good news is that bankruptcy may immediately stop the lawsuit and eliminate many of the debts causing the problem.
Important: In many cases you may have 20–30 days to respond to the lawsuit.
What Should You Do After Being Served With a Lawsuit?
If you were recently served with a credit card lawsuit, it’s normal to feel overwhelmed.
Here are some important steps to consider right away:
1. Do Not Ignore the Lawsuit
Ignoring the lawsuit may allow the creditor to obtain a default judgment against you.
2. Pay Attention to Deadlines
Most lawsuits require a response within 20–30 days.
3. Understand Your Options
Depending on your financial situation, you may be able to:
• Defend the lawsuit
• Negotiate a settlement
• Stop the lawsuit through bankruptcy
4. Speak With an Attorney
Understanding your options early can help prevent judgments, bank levies, and additional legal costs.
What To Do If You’ve Been Sued for Credit Card Debt
In this short video, attorney Christopher Vonderau explains what happens when creditors file a lawsuit and how options like bankruptcy may help stop collection actions.
You’re Not the Only One Facing This.
Many people being sued by credit card companies are already dealing with:
• Multiple credit card debts
• Collection calls
• Debt buyers purchasing old accounts
• Financial stress
Common companies filing lawsuits include:
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Capital One
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Discover
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Citibank
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Midland Funding
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Portfolio Recovery Associates
For many individuals in this situation, bankruptcy provides a way to stop the lawsuits and start over financially.
What Happens If the Credit Card Company Wins?
If a creditor wins the lawsuit, they may be able to obtain a court judgment.
A judgment may allow them to:
• Garnish bank accounts
• Place liens on property
• Add court costs and interest
• Continue collection efforts
Understanding your options early can help prevent these outcomes.
How Bankruptcy May Stop a Credit Card Lawsuit?
When a bankruptcy case is filed, federal law creates something called an automatic stay.
The automatic stay can immediately stop:
• Pending lawsuits
• Collection calls
• Wage garnishments
• Bank levies
• Most creditor collection actions
For many people with multiple credit card debts, bankruptcy can provide a faster and more complete solution than fighting each lawsuit individually.
You May Be a Good Candidate for Bankruptcy If:
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You are being sued on one or more credit cards
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You have multiple debts you cannot pay
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Your debt keeps growing despite payments
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You are receiving collection calls
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You are worried about judgments or garnishment
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A consultation can help determine whether bankruptcy may help your situation.
Experienced Bankruptcy Help.
Our law office helps individuals and families deal with overwhelming debt and creditor lawsuits.
We understand how stressful it can be to receive a court summons or lawsuit notice.
Our goal is to help you:
• Understand your options
• Stop creditor harassment
• Find a path toward financial stability
What Happens During Your Consultation...
During your consultation we will:
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Review the lawsuit
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Review your debts and financial situation
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Explain whether bankruptcy may help
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Discuss your next steps
No pressure. Just clear answers.
Could Bankruptcy Help Stop Your Lawsuit?
Answer these questions to evaluate your situation.
✔ Are you being sued on more than one credit card?
✔ Do you currently owe more than $10,000 in unsecured debt?
✔ Are you struggling to keep up with monthly payments?
✔ Have you received collection calls or letters recently?
If you answered YES to two or more of these questions, bankruptcy may be worth exploring.