Maryland Complaint and Summons for Balance Due on Credit Card Account

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Multi-State
Control #:
US-03350BG
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Word; 
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Description

Filing a Complaint or Petition

Any complaint or petition for relief in a court must be filed within the statutory time limit (Statute of Limitations). These statutes vary from state to state. These statutes also vary depending on what your cause of action is. For example, in many states, the statute of limitations regarding a cause of action for breach of contract is three years, while the cause of action for an intentional tort, like slander, is one year.


A complaint is a general statement of the plaintiffs claim. The complaint must describe the actions that led to the claim of a violation (i.e., violation of rights). The claim can be for money damages. It could also be a claim for equitable remedies like specific performance (e.g., court forcing a party to abide by a contract) or an injunction (e.g., stopping a person from doing something). The complaint must establish jurisdiction of the court in which it is filed. For example, if the complain is filed in federal court, it must show diversity of citizenship or that a federal statutory or constitutional question is involved.


Service of Process

This generally involves attaching a copy of the complaint to a summons which is served on the defendant. The summons explains to the defendant what is going on and certain rights that that the defendant has. The summons explains:

o That the defendant is being sued;

o The name of the Court in which he is being sued;

o When he must file an answer; and

o The fact that a default judgment will be entered if no answer is filed.
The summons (or process) is delivered by an office of the court. In many state courts, this can be a deputy sheriff or a professional process server. Deputy Marshals or process servers are used in federal court. Constables are used in justice court of some states. In exceptional circumstances, when the defendant can not be found, service may be made by publication in a newspaper.


The summons must normally be served on the individual defendant. Some states allow service on a member of defendants household if the defendant is not available. A plaintiff must serve a corporate defendant by serving the registered agent or an appropriate officer of the corporation.

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How to fill out Complaint And Summons For Balance Due On Credit Card Account?

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FAQ

If you are not served legally, you can request that the court dismiss the case for improper service. File your request as soon as possible before the trial date on the DC-002, Motion. If the judge grants your request and postpones the trial, the plaintiff will have to serve you with a new summons.

You may settle your case at any time prior to having the court make a decision (a judgment) by either: Paying the full amount of the debt (plus any fees, costs, and interest required) Negotiating to pay a lesser amount and having the other side agree to accept that amount as full payment.

You must fill out an Answer, serve the other side's attorney, and file your Answer form with the court within 30 days. If you don't, the creditor can ask for a default. If there's a default, the court won't let you file an Answer and can decide the case without you.

Time Limits on Collection The state of Maryland also provides limits on the length of time a creditor has to collect debts. The statute of limitations gives creditors 3 years to file a lawsuit against you for the debt you owe.

Credit Card Debt: Guide to Responding to Court Summons Review the Complaint and The Summon. You should review the summon and look out for important details including: ... Calculate the Deadline for Filing A Response. ... Draft A Response to The Complaint. ... File the Answer Form. ... Serve Copies to The Plaintiff.

Settle the Debt by Paying Less Than the Full Amount Many people do this successfully on their own, but you can hire a debt settlement attorney to help if you can afford it. In some cases, the court will require that both parties in the lawsuit try to reach a settlement agreement.

You may lose the ability to dispute the debt, if you believe you don't owe it or that the amount is wrong, and depending on your situation and your state's laws, the creditor may be able to: Garnish your wages. Place a lien against your property. Move to freeze funds in your bank account.

Resolving debt before a lawsuit A partial one-time payment is often the least expensive way to pay off a debt. ... You may be able to negotiate payments in monthly installments. ... If you are being harassed by debt collectors, you can ask them to stop. ... When debt expires, you can't be sued for it.

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Maryland Complaint and Summons for Balance Due on Credit Card Account