Do I need a lawyer for while being sued by a credit card company



I just received a summons in the mail a week ago telling me I am being sued. so I called the attorneys office and set up a payment plan until the debt is paid in full also I will go submit the answer the complaint. What else can I do
If you have more debt than you can handle, then you may want to consider Bankruptcy to eliminate the problem. Depending on your overall financial situation, Bankruptcy may be right for you. An experienced
  
Bankruptcy attorney will be able to determine which type of Bankruptcy is the correct one for you.
if you had to pay in money when you filed then they are going to charge you interest for being late.

they are probably conducting an internal audit of all of your past returns right now, that is why you haven't gotten the notice yet. if they determine that you did this intentionally, which is likely, they'll access a punitive fine on top of the interest they'll charge you.

otherwise they might just send a warning. although it is illegal to file late, if you didn't owe them money they probably won't make a big deal out of it. just the same, they are probably auditing all of your recent returns. "in most cases, when a [car insurance company](https://getjerry.com/car-insurance) makes a medical settlement, they will send the check directly to the *victim*, even if they make it payable to the hospital or medical provider as well. 

it's up to you to make sure you use this money to cover your medical expenses. once a claim has been settled, your insurer won't make additional payments. 

if you want additional medical support, consider adding [medpay](https://getjerry.com/car-insurance/medical-payments-coverage-medpay) (medical payments coverage) to your policy." 

**more**: [types of insurance](https://getjerry.com/car-insurance/types-of-car-insurance) hi @ffscancelling your direct debit won’t cancel your plan.if you haven’t followed the correct cancellations process, your plan will remain active and you’ll continue to get billed by us, which you’ll still be liable to pay of course.if you fail to pay, unfortunately, your plan will go into collection and it could impact your credit rating.we can accept payments via our automated payment line or if you have received a letter from a collections agency you can make payment directly to them.michelleid mobile a credit card is a payment method that lets the user borrow money as needed to purchase goods and services. using a credit card responsibly also is the easiest way to build a good credit score. other benefits for credit card users include the opportunity to earn rewards on purchases, the flexibility to pay off large purchases over time, or the chance to reduce the cost of existing debt through a balance transfer. on the other hand, banks and credit unions offer credit cards because they are a good source of income from fees and interest charges.
to qualify for a credit card account, an applicant must be at least 18 years old with enough income to afford monthly bill payments, in light of the individual’s existing financial obligations. there is no minimum age to get a credit card as an authorized user, however.
physically, a credit card is about the size of a driver’s license. most new credit cards are now equipped with a magnetic stripe and a metal chip, allowing cardholders to swipe, dip or tap their card in or against a payment terminal to complete a purchase. the stripe, the chip, or the credit card number can be used to make purchases, which will deduct from the card’s credit line. the amount of a credit line – called a credit limit – depends on the cardholder’s income and overall creditworthiness. once a month, the cardholder receives a credit card statement detailing purchases and payments made during that billing cycle, and noting when the cardholder must make a payment on the account.
credit card features & fees
credit cards require regular payments to keep the account open and in good standing. if you pay for your purchases within the window of the grace period on the account (typically between 21 and 25 days after the monthly statement is issued), you won’t have to pay more than you borrowed. if you carry your balance past that, however, you’ll generally have to pay the regular interest rate - or regular apr - on the amount you owe. credit cards have higher regular aprs than most consumer loans, so it’s best to avoid carrying a balance.
outside of interest charges, credit cards may come with fees. late fees apply to nearly all credit cards when you don’t pay at least the minimum payment by the due date. annual, monthly, and one-time fees may be charged just to have certain credit cards. the credit cards with the biggest benefits and perks - travel credits, free airport lounge memberships, and the highest rewards rates, to name a few - are usually the ones with annual fees.
credit cards may give access to a certain amount of cash in the form of a cash advance. when you take out a cash advance, the grace period does not apply. you will start accruing interest the day you get the cash, and the cash advance fee will be added to your credit card balance.
a balance transfer is another credit card function that usually comes with a fee. balance transfers essentially pay one credit card balance with another credit card for the purpose of saving money in interest charges. in addition to the average balance transfer fee of 3%-5%, there’s an interest rate for the amount you transfer. most automated banking payment systems won't have been told deceember 25th is different from any other day. 

the credit may not reach another account until the 27th but if you pay on time, they can't complain. if you're worried about it, pay it on the 24th. not if he took full responsibility for the debt. go to hr block.com and ask or call your local jackson hewitt and ask for free advice you won't have to tell them any of your information to get an answer. re: help<br><br>you need to get the documents scanned in and sent through to our offices. I read somewhere that the number was 640.   

You are very close.   

Do you have any credit card balances?   

Pay them in full. Wait 45 days, then get your score again.   

Carrying high balances can reduce a score by 100 points.   

And it also hurts getting a mortgage, since it will directly reduce the amount of home you will qualify for.   

  

Tell us what is in your reports and people can tell you how it can be repaired.   

Sounds like you only have one of your three reports though.   

Get the other 2 at Annual Credit Report.com   

No cost. No card required. Reports are free once a year.   

Something is bringing your credit down. People here will try their best to help you "when you don't pay your [car insurance](https://getjerry.com/car-insurance) bill, your coverage can be canceled. without insurance, you won't be covered in the event of an accident. this means that you would be responsible for any damages or injuries you cause.
 
if you don't pay your bill, you could also face higher rates with insurance carriers down the road. carriers look at your prior insurance history when deciding on your rate. if they see that you had a policy canceled for non-payment, you could face higher rates than someone who pays for their car insurance on time.
 
if cost is an issue, you should shop around. you can request [car insurance quotes online](https://getjerry.com/car-insurance/car-insurance-quotes-online) to find the best price for the coverage you need.

if you’re shopping for car insurance, [jerry](https://getjerry.com/signup) will generate competitive quotes from top providers in less than a minute. " If someone calls you on it, just explain that you saw no damage and - well - basically tell them what you told us. You'll be fine.