Complaint Repossession With Credit Card In Pima
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If the bank has a mortgage on your house and you are in default, it can repossess your house. Credit card debt is unsecured. Unless the bank sues and gets a judgement, it has no right to seize any of your property.
If they sue and get a judgment against you, it is possible they can take cars and belongings to satisfy the judgment, but there is a legal process for that. The important thing here is to not ignore the issue. If you don't respond, the creditor may get a default judgment that they can attempt to collect.
Except as provided in sections 33-729 and 33-730, from and after the time of recording as provided in section 33-961, a judgment shall become a lien for a period of ten years after the date it is given on all real property of the judgment debtor in the county in which the judgment is recorded, whether the property is ...
Contact your card issuer via the phone number on the back of the card or the issuer website's live-agent chat. Tell the customer service representative that you think you were the victim of fraud. The agent may have you confirm recent transactions to be sure any authentic purchases are processed correctly.
In California, most credit card companies and their debt collectors have only four years to do so. Once that period elapses, the credit card company or collector loses its right to file a lawsuit against you.
Alternatively, you may submit to BSP a duly accomplished Complaints, Inquiries and Requests (CIR) Form, which you may access through this link: . Please send the CIR form to consumeraffairs@bsp.ph.
In California, there is generally a four-year limit for filing a lawsuit to collect a debt based on a written agreement.
It's important to respond to (or answer) the lawsuit. You do this by filing official paperwork with the court. Be sure to address every point in the complaint, raise any defenses you have, and file the paperwork within the time frame provided.
On a separate page or pages, write a short and plain statement of the answer to the allegations in the complaint. Number the paragraphs. The answer should correspond to each paragraph in the complaint, with paragraph 1 of the answer corresponding to paragraph 1 of the complaint, etc.
Specifically, the rule states that a debt collector cannot: Make more than seven calls within a seven-day period to a consumer regarding a specific debt. Call a consumer within seven days after having a telephone conversation about that debt.
