Credit Card Lawsuit Defense


The Stone Law Firm offers many options for credit card lawsuits in South Carolina to include answering the actual complaint for our client. Credit card lawsuits can be a very emotional time for our clients due to many factors to include being served at their home by a police officer or process server. In addition the lawsuit is proof that the credit card company is taking the debt issue very seriously and they want to pursue a judgment against our client. Here at the Stone Law Firm we can answer the Complaint (lawsuit) and provide a strong defense on your behalf. Often credit card lawsuits are unfair and offer little supporting evidence attached to their complaint.


In addition we can help negotiate terms for a settlement that works within your budget. Some of the most common questions we hear :

  1. Can you be sued for credit card debt in South Carolina?  Answer is generally yes if you entered into a contract with the credit card company while living in South Carolina.
  2. Can a Debt Collector sue you for credit card debt in South Carolina?  Answer is generally yes if the Debt Collector meets certain legal guidelines to include statue of limitations and proof of ownership of the original debt.
  3. How long does a credit card company have to sue you in South Carolina? Generally, a credit card company has three years from the last payment by the consumer. There are other caveats. Call to learn more about a statute of limitation defense.
  4. How long does a credit card judgement last in South Carolina? 10 years

What are the names of credit cards that sue in South Carolina? Chase, Citi, Capital One, Synchrony Bank, Bank of America, Wells Fargo, SoFi, Barclays, U.S. Bank, Fifth Third Bank, Comenity Bank, Goldman Sachs, American Express  (incomplete list) 

  1. How to answer a summons for a debt collection lawsuit in South Carolina? Please note that in any civil complaint, time is of the essence. Call now to learn more about how to answer the summons and complaint. 
  2. Can a debt collector freeze my bank account in South Carolina? Generally a debt collector must first sue you and obtain a judgment first before trying to obtain your assets. Even after getting a judgment, generally a creditor has to start another proceeding in Equity Court (called a Supplemental Proceeding) to ask the Court for access to your assets. Please note that in South Carolina individuals have access to multiple exemptions that usually protect many or most of your assets. Call to learn more about this process and how to protect your assets. 
  3. What are the names of some of the collection law firms in South Carolina? Turnbull Law Group, Smith Debnam Law, Clarkson Hale, Grimsley Law Firm

If you have been served with a credit card lawsuit, time is of the essence to answer the lawsuit. Please feel free to call the Stone Law Firm for a free consult. We will also examine your

complete credit profile to see all the appropriate options we can provide for you to include Chapter 7 bankruptcy.

- Stone Law Firm