Consumers contact debt settlement companies to get debt assistance; this leads to credit card debt elimination. Potential customers are told that it is quite rare for the credit card companies to file a lawsuit against credit card holder. However, it does occur.

There is a particular procedure, which these companies used in collecting delinquent accounts. It is important for a consumer to know and understand various procedures that are involved in debt collection lawsuit. The consumer should also know the importance of hiring a reputable attorney for this lawsuit.