The greater the amount of your debt, the more likely that eventually the bank will sue. If the judge will take the side of the bank and make a decision unfavorable to you, you have almost no chance to rectify the situation. Thus, it is important to clearly plan your actions immediately, as soon as the loan deal has appeared in court. As practice shows, the best option - to immediately consult with a credit lawyer.
How can I check that the bank filed a lawsuit
Typically, the borrower finds that the bank filed a lawsuit for non-payment of the loan, when it detects a summons in the mailbox. Almost certainly is, this document (the bank or the collectors there is no need to fake it), but if you are in doubt, you can easily verify its authenticity. To do this, you need to find on the Internet site of the court from which received a summons, and in the "case management" use the search by last name. If your credit is really the case in this court, you can directly on the site to get basic information on it, as well as the exact date and time of the meeting.
In some cases, instead of sending summons by mail, you can simply call the office of the court. Of course, under the guise of court staff can call from the bank or collection agency, to put pressure on you. Sometimes borrowers openly call from the bank and told that the court filed a claim, but it is not too late to settle all on good terms. In any case, if the upcoming trial, you will learn on the phone, try to find out the exact name of the court, the date and time on which the meeting is scheduled. Then you can go to the website of the Court and verify all information.
If you do not know the name of the court, it is necessary to check a few options, because each court has its own website. First of all you need to determine which territorial court refers your place of residence, as well as the location of the bank. In addition, you will need to check, not specified whether a particular court in your loan agreement. If on the websites of these vessels is not mentioned your name, it is almost certain the bank did not file a claim on your loan.