If you are being sued by a credit card company or debt collector, it is important to take the lawsuit seriously and take steps to defend yourself. If you do not respond to the lawsuit, the credit card company or debt collector may be able to obtain a default judgment against you, which could allow them to garnish your wages or seize your assets to pay the debt.

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To defend yourself against a credit card lawsuit, you should:

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1. Respond to the lawsuit: You must file a written response to the lawsuit, also known as an "answer," within the time specified in the summons.

2. Gather evidence: Collect any documents that support your defense, such as proof that you already paid the debt or that the creditor cannot prove that you owe the debt.

3. Attend court hearings: You may be required to attend a hearing or trial to present your defense.

4. Consider hiring an attorney: If you are not comfortable representing yourself in court, you may want to consider hiring an attorney to help you defend against the lawsuit.

5. Consider negotiating a settlement: If you do owe the debt, you may be able to negotiate a settlement with the creditor to pay a reduced amount or to set up a payment plan.

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It is important to remember that every case is different and the steps you need to take to defend yourself will depend on your specific circumstances.