You can avoid being sued by a credit card collection agency. In most cases even if you have a lot of debt and you stop paying that credit card debt collector will not take you to court. It is very expensive to sue somebody over debt and in most cases the collection agency does not know if you have any assets or not. There are many ways that you can get into a negative financial situation with your credit cards. You always want to try to pay your credit card on time and paying off balances at the end of the month is the best way. many people do not have the money to pay off their credit cards.
It is very important that you understand the laws so that you can’t check yourself against collection agencies. Most of the collection agencies bend or break the laws in order to scare you to give them money. You as is a consumer have rights and make sure that any collection agency that tries to contact you does not step on those rights. There have been cases where the debt amount was very high and the collection agency decided to take the person to court. But the truth of the matter this does not happen very often at all.
Remember that the best and most effective way to avoid being sued over credit card debt is to pay your debt on time. You need to also remember that you as the consumer have rights. Many collection agencies try to do anything they can legal or illegal to collect the money that is owed. You need to be aware that in most cases collection agencies never filed lawsuits against individuals because it is too expensive for them to do.