What Happens if I Am Sued by Synchrony Bank in Texas for Debt Collection?

Are you being sued by Synchrony Bank in a debt collection lawsuit? At Warren & Migliaccio, we understand that you may be confused and stressed about how to proceed. Our North Texas debt resolution lawyers want you to know that you have legal options, whether you recognize the alleged debt or not. 

Our firm has significant experience defending Texans against creditors and debt collectors. Below, our lawyers answer common questions about Synchrony Bank. We also discuss your potential options when faced with a Synchrony Bank lawsuit.

What Is Synchrony Bank?

Synchrony Bank is an online bank and credit card provider. However, you may have one of its credit cards in your wallet even if you did not apply for credit directly with Synchrony. 

Synchrony Bank is one of the nation’s largest private-label credit card providers. It partners with retailers throughout the United States to provide credit card services. For example, when you apply for a store credit card from retailers like Amazon, PayPal, Lowe’s Home Improvement, or Walgreens, you get a branded credit card from Synchrony Bank.

It is a subsidiary of Synchrony Financial, a publicly-traded consumer financial services company headquartered in Stamford, Connecticut. 

Does Synchrony Bank Sue for Credit Card Debt?

Synchrony Bank does sue for defaulted credit card debt. If it cannot collect payments from consumers that use Synchrony-branded or store credit cards, it may file debt collection lawsuits to try to get the money.

Are you being sued by Synchrony Bank for debt collection in Texas? If so, we encourage you to reach out to our North Texas debt resolution lawyers. Our firm has extensive experience and success supporting and defending Texans from creditors. During a consultation, we can answer your legal questions and help you understand your legal options. Fill out our online contact form or call our office to discuss your situation.

What Happens If You Receive a Synchrony Bank Lawsuit?

When Synchrony Bank sues you for debt collection, you will receive notice of the lawsuit. This notice is also known as a Summons. You will likely receive it from Synchrony’s lawyer. Many law firms in Texas handle debt collection lawsuits on behalf of Synchrony Bank. A few of these law firms include, but are not limited to:

• Rausch Sturm LLP
• Scott & Associates, P.C.
• Javitch Block LLC
• Jenkins & Young, P.C.

Once you receive notice of the suit, you may think about dismissing or ignoring it. However, ignoring it will not make it go away. Creditors and debt collectors like Synchrony file lawsuits against consumers with the hope that they fail to respond to the lawsuits. If you ignore the suit, it is an easy win for Synchrony Bank to get legal entitlement to the money.

Ignoring it will likely result in a default judgment against you. A default judgment means you lose the case, no matter if you have defenses against Synchrony’s claim.

Instead, the first step of defending yourself is responding to the lawsuit, also known as an Answer. In your response, you should demand proof from Synchrony that you owe the debt. Additionally, your answer should address Synchrony’s allegations and your defenses. You should file your response as soon as possible because there are quick deadlines to adhere to depending on the court handling your case. You may have as little as 14 days to file the Answer.  

We recommend working with an experienced debt defense attorney to help you throughout the legal process. At Warren & Migliaccio, we are happy to review Synchrony’s claim against you, investigate its validity, and help you understand your best legal options to move forward. 

Synchrony works with capable lawyers who focus on collecting debt for their clients. You should also have a skilled attorney to defend yourself against them. We can prepare and file your Answer, represent and fight for you in and out of court, and guide you through the legal process until your case concludes. 

What Are Common Defenses to a Debt Collection Lawsuit?

There are many potential weaknesses to Synchrony Bank’s claim against you. If you do not believe you owe the debt or that it is your debt, there are certain defense strategies we can explore. For example, identity theft may be a viable defense. Identity theft occurs when another person steals your information and opens credit accounts in your name. Mistaken identity may be another possible defense. Mistaken identity may occur if Synchrony mistakes you for another person and tries to sue you for someone else’s debt. 

Even if you believe you owe the debt, it is important to understand that Synchrony Bank has the burden of proof in the case. Synchrony must prove that you owe the debt, it owns the debt, and it has the right to file a lawsuit. If you challenge Synchrony Bank, it may not have enough evidence to prove its case. An experienced debt defense lawyer can investigate the validity and strength of Synchrony’s lawsuit.

Is Synchrony Bank Debt Settlement An Option?

Depending on your unique case, you may be able to settle your debt with Synchrony Bank. Negotiating a settlement may be the right option for you if Synchrony can prove you owe the debt and it is entitled to it.

Our North Texas debt defense lawyers can help you determine if negotiating a settlement is the best option for your situation. If so, we can work toward a favorable settlement on your behalf. We can often reach a settlement amount less than the original debt.

Discuss Your Synchrony Lawsuit With Our North Texas Debt Defense Lawyers

If you are facing a Synchrony Bank lawsuit, you do not have to deal with it alone. We welcome you to contact our North Texas debt defense lawyers. We can help you understand your next steps. Our attorneys have extensive experience and success representing consumers from creditors like Synchrony. Our firm also assists clients in exploring alternative debt resolution options when appropriate.

Protect yourself from a debt collection lawsuit by calling us or filling out our online contact form. During a consultation, we are happy to answer your questions, review Synchrony’s claim against you, and determine how we can help you.