1. How to respond to a lawsuit over an overdue credit card

Actively negotiate with the other party to reach a settlement in court; actively submit relevant evidence materials to the court, etc. . Generally speaking, as long as you are being sued and respond to the lawsuit, you must first accept someone else's indictment to respond, write a defense or counterclaim within the specified time and submit it to the People's Court, and then collect the evidence needed to respond to the lawsuit and prepare a good report. Actively prepare for the defense and make a good defense during the court session.

2. What is the process after being sued

1. After being sued, the people's court that accepts the plaintiff's lawsuit will serve a copy of the plaintiff's indictment within the statutory time. Finally, after receiving a copy of the complaint, you need to be prepared to respond to the plaintiff's purpose and claims, or write a defense or counterclaim. Submit the defense and counterclaim to the People's Court within the specified period.

2. If you are a defendant who fails to participate in the trial or leaves the court midway without justifiable reasons, if the defendant does not have to appear in court, the People's Court may summon you and conduct an absentee trial for the defendant who fails to appear in court after receiving the summons. .

3. Collect evidence and actively respond to the lawsuit.

Defense refers to defending oneself. When defending, we need to collect and prepare relevant evidence based on the facts presented by the other party. When we cannot collect some evidence ourselves, we need to obtain it from the people's court. In this case, At that time, we need to apply in writing to the People's Court for transfer. After these preparations are completed, we will wait for the People's Court to hear the case.

During the court session, the court will ask both parties to cross-examine the evidence and make a defense based on the cross-examination situation and the focus of the dispute on the spot. Therefore, it is necessary to understand all the facts of the case in advance, fully prepare the evidence materials, and do a good job Prepare mentally.

3. What kind of results will there be after the prosecution?

Generally there are two situations, one is that the negotiation has no result, and the second is that the negotiation has the result.

1. Negotiation without results

The court will decide that you must pay off the debt within the agreed time. If you can't pay it off yourself, it will be more troublesome. I have personally seen many cases where people were sued for overdue credit cards and became dishonest executors.

2. The negotiation has results

The cardholder and the bank successfully negotiate the installment, and then both parties sign a repayment agreement in accordance with the agreed results. Of course, the bank cannot give itself too long to repay the debt. Therefore, this result still puts a lot of pressure on debtors. Another thing is that the bank gives the debtor a buffer time to settle the debt in one go.

You have the right to sue the bank because your credit card is overdue. When you receive the indictment, you must respond promptly, make complete preparations, and try to negotiate with the bank to apply for installment payment or Using the minimum repayment method, if the two parties cannot negotiate well, they can only go through the judgment process. Therefore, it is your obligation to borrow money and repay it, otherwise you will bear high interest rates and your credit report will be damaged.