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https://infoforu.org/can-i-be-sued-for-not-paying-my-credit-card/
One of the most common questions heard from people who are already late on credit card payments is "Can I be sued for not paying my credit card,"

The simple answer is YES. However, there are specific circumstances that could help you avoid being sued for not paying your credit card bills.

Why Would You Be Sued for Not Paying Your Credit Card,

Far too many people believe banks are being unfair when they hassle you, call you and send you countless letters of demand asking you to pay your bills. However, the bank lent you that money to buy the things you wanted on the promise that you would pay it back.

In fact, on your credit card agreement, you signed a contract that stated you would promise to pay back the money you borrowed. When you avoid making your credit card repayments, the bank is simply trying to get you to keep the promise you made.

While this information doesn't help people who are struggling to keep up with credit card repayments, it might help you understand why they're so persistent about trying to get you to make a payment.

If you continue to avoid their calls and delay payments further, then your debt may be sent onto a debt collection agency.

How to Avoid Being Sued for Not Paying Your Credit Card

Some customers are able to prove that they've suffered from severe financial hardship through loss of income or illness. When faced with crises like these, many lenders may be tempted to charge off the outstanding debt, or work with you to come up with a plan of action to get you back on your feet financially.

If you call your credit card lender and discuss your situation with them, you'll be surprised at how much they're willing to try and help you. They'll make suggestions you might try, they'll listen to your suggestions and eventually you may come up with a plan to negotiate the terms of your credit card debt to better suit you.

Quick Tips for Avoiding Further Legal Action

Did you know that if you make even a tiny payment of $5 towards your credit card debt, the bank and the debt collectors are forced to hold off from further legal action, $5 a month won't send you broke, but it may help to keep you out of court.

Rework your budget and look more closely at where you money goes each month. If you can find a way to free up even a few extra dollars, you could find that it's easier to get ahead again than you think.

If you're serious about getting back in control of your financial situation, hold a yard sale, list unwanted things on eBay, find a way to raise a little extra cash and put this towards your late credit card payments.

If you're still asking 'can I be sued for not paying my credit card,', the answer is yes, but the power is in your hands to stop it from happening. It's all up to you.