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Can you be sued for not paying a credit card debt?

Dallas, PA |

I went through a debt reduction service, who then went out of business. They said I could not be sued for a debt that was charged off. Is this true?

Attorney Answers 2


No. You can be sued in court for not paying the credit card debt. The collector of the debt will have to satisfy numerous procedural and evidentiary requirements, however, in order to obtain a judgment against you.

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Unfortunately, you can be sued for a debt that is charged off, as a charge off is simply an accounting entry of a business or bank for regulatory or tax purposes. In Pennsylvania, an obligation can expire, however, after the statute of limitations has run. Note that collectors will sometimes continue to pursue collection even when the debt is no longer enforceable.

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