I handle quite a number of collection cases in my practice relating to delinquent credit card, personal loan, and other types of loan balances.
It is important that if you are sued for owing unpaid monies on a credit card, personal loan, or other type of delinquent loan that you hire an experienced attorney immediately. If you fail to respond to the complaint in a timely fashion the creditor who sued you will seek and likely obtain a default judgment and then place a lien on any property you own, possibly garnish your wages and levy your bank accounts.
There are possible defenses in these cases such as bad accounting of payments, the statute of limitations and so forth which a competent attorney can evaluate for you.
Law Office of Kevin S. Sullivan is a credit card collection defense attorney handling cases throughout the greater San Francisco bay area.