Unable to repay credit card bills

I had a credit card from past one year i am not paying my minimum dues because i dont have job but bank had sending leagle notice . what happen if they go in civil court help me out

Asked on September 28, 2016 in Legal query.
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2 Answer(s)

Since, you haven’t provided us with the contents of the legal 
notice, we, hereby assume that a standard notice is sent to you. In 
case of non-payment of dues to the bank, there arises a civil 
liability on the part of the defaulter. In such cases, bank can file 
for recovery of the dues through the civil courts or recover the dues 
directly through their recovery agents. However, these recovery agents 
are not allowed to threaten the defaulters by using any tactics like 
issuance of arrest warrant and such as it is not a criminal liability. 

Civil Court proceedings will follow the due process of law and it will 
be better that you consult a lawyer, so, that at the first instance 
you can reply to the legal notice and explore other possible 
alternatives to settle the dispute with the bank amicably. One 
possible alternative will be to negotiate a settlement with the Bank 
so that it does not affect your credit worthiness in terms of CIBIL 
score. 

Answered on October 6, 2016.
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Since, you haven’t provided us with the contents of the legal 
notice, we, hereby assume that a standard notice is sent to you. In 
case of non-payment of dues to the bank, there arises a civil 
liability on the part of the defaulter. In such cases, bank can file 
for recovery of the dues through the civil courts or recover the dues 
directly through their recovery agents. However, these recovery agents 
are not allowed to threaten the defaulters by using any tactics like 
issuance of arrest warrant and such as it is not a criminal liability. 

Civil Court proceedings will follow the due process of law and it will 
be better that you consult a lawyer, so, that at the first instance 
you can reply to the legal notice and explore other possible 
alternatives to settle the dispute with the bank amicably. One 
possible alternative will be to negotiate a settlement with the Bank 
so that it does not affect your credit worthiness in terms of CIBIL 
score. 

Answered on October 6, 2016.
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