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By Sean A. Kelly

Do you know how it feels when you are served with a summons? Are you aware of the steps to take if you receive summons for credit card debt? I knew it when Joe received it, for not clearing his credit card debt. I’d known Joe since schooling; he has always been a care free guy and spends a lot on shopping. Debts on his first credit card started accumulating for which he had no way to make the payment. He managed to get a part time job, which helped him for his personal needs. He had made only few payments for the card and it went to a halt after he quit the part time job. Joe finally received summons for credit card debt and we together tried to solve the debt issue. There may be many of you, looking for solutions on clearing debts and facing legal statements.

To begin with, summons is a court generated document requiring you to appear in the court for some hearing. The most important thing you may do is, not to ignore the summons. You may be putting yourself into legal issues, by not replying to summons. If you fail to appear in the court on the date specified, you may have legal judgment passed against you. Your bank account may be seized to claim the due amount along with the court charges and fees. You can avoid such inconveniences, only by replying to the summons. When you are served with summons, you may first look for an attorney to file the answer to summons. You may also send a notice of appearance, to inform the court about your active participation in the case and request for information on proceedings.

Most people find it hard to handle when they receive summons for credit card debt. If steps are taken carefully, you can avoid getting into trouble like forced liens on your property or garnished wages. Below are some of the steps to be taken when you receive summons for credit card debt:

— You may need an attorney to handle the issue, to get optimal solutions. But, you may deal with it yourself, if you can’t afford the attorney fees.

— The initial step may be to respond to the summons without any delay. You may have to face the default judgment the court may pass, if you don’t respond within the allotted period.

— You need to prepare your response, on the complaints raised against you. You may be expected to brief your disagreement statements on the complaint.

— You may make copies of the answer to be filed and pass on the copies to the court, your creditor and keep one for your reference.

–You can make negotiations on the repayment to be made, if you appear for the hearing. But, if you don’t appear on the date assigned, the court may pass legal judgment against you.

Well, if your chance for receiving summons for credit card debt is high, you may better try considering other debt relief options. If your debts have greatly piled onfor you to pay back, consolidation of it may help. Credit card debt consolidation programs are offered by debt relief agencies to help you pay off your debts. This may keep you away from legal actions being taken against you. Depending on the amount of debt, your credit reports and your existing assets the agency may offer you with solutions optimal for your problems. You may try taking home equity loans, provided you have good equity in your home, to pay off the debt. If you don’t qualify with your equity you may try for debt settlement or credit counseling. These options may help you solve your credit card debt, without the need to face any legal consequences.

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