Can Credit Card Company Sue You: Civil Legal Guide. Understanding can credit card company sue you and your civil legal options, explained in plain language. If a debt collector is involved, the federal Fair Debt Collection Practices Act gives you the right to demand written validation of the debt and to stop abusive contact. Every debt also has a statute of limitations, after which it generally cannot be sued on. But never ignore a court summons, because that is how a default judgment happens. Keep every letter, voicemail, and statement. Filing a small claims case comes down to four things: confirming the court that covers where the dispute happened or where the defendant is, filing before your state's statute of limitations runs, properly serving the other party, and organizing your evidence chronologically. Most hearings are informal and decided the same day, and you do not need a lawyer to walk through any of it. Do you need a lawyer for can credit card company sue you? In most cases, no. Small claims court is designed for people representing themselves, and a demand letter can often resolve the matter before any filing. How much does it cost? A professional demand letter through PettyLawsuit is $29, and small claims filing fees (if you ever need them) typically run $30 to $200 and are often recoverable if you win. When you're ready, PettyLawsuit turns this into action: a professional demand letter sent by certified mail for $29, and, if it comes to that, the correct small claims forms for your state with step-by-step filing help. Most disputes settle once a formal demand letter arrives, so you may never see a courtroom.