In Blair County Pennsylvania, the Court normally schedules credit card lawsuits for what we call credit card court. This is designed as an informal session where the parties can try to work out a settlement.
When Will A Case Be Sent To Credit Card Court?
Shortly after a lawsuit is served, the Blair County Court will issue an Order, sending the case to Credit Card Court. This should be done in all cases that are identified as involving credit cards. The Order will also “stay” all further proceedings, which means that the Defendant is not required to file an Answer to the Complaint. If for some reason a credit card case does not get selected for Credit Card Court, the Defendant or their attorney should contact the Court Administrator.
What You Should Know About Credit Card Court
If your case is scheduled for credit card court, there are a few things that you should know.
- You are not required to settle the case, and should not agree to pay more than you are able to afford.
- Some cases can be defended. If the debt is more than 4 years old, measured by the time between the date of the last payment, and the date the case was filed in the courthouse, it might be barred by the statute of limitations.
- If you are being sued by a debt buyer, they need to have proof that they own the debt. All Plaintiffs are required to have sufficient documentation to prove the amount of the debt.
If the case cannot be defended, you might consider making payments, offering a settlement, or filing bankruptcy. What is right for you depends on your personal financial situation, including your ability to pay, and the amount of other debt that you have.
This might be a good time to sit down with an attorney.
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