If no lawsuit has been filed against you, call your credit card company to attempt to work out an arrangement for payment.
If a lawsuit has been filed against you for a credit card debt, contact Legal Aid immediately. Although we are unable to directly represent consumers in credit card collection cases at this time, we may be able to give you information and resources to help you prevent the lawsuit from progressing further.
Once a court decision is entered against you, the credit card company or collection agency may seek to garnish your wages or your bank account. To do this, a separate request must be filed with the court, and you will have the opportunity to request a hearing on the garnishment. No more than 25% of your paycheck (after taxes) may be garnished.
Next Steps
For help in determining how to handle your debt, contact:
Consumer Credit Counseling
12200 Fairhill Road, Suite C140-A
Cleveland, OH 44120
(216) 231-5322
(800) 355-2227
Visit a brief advice clinic or contact Legal Aid if a lawsuit has been filed against you.
Other Resources
Be Smart About Managing Your Debt, How to Deal with Debt Collectors
Visit the Ohio Legal Services website for information regarding debt collection.