When it comes to personal credit card debt, one of the most important things that you need to figure out when you are faced with a lawsuit is figuring out who owns the debt and who is suing you. You might have to obtain the information through discovery so one of the most important things that you can do is file an answer to buy yourself some time and then get the information.
Who owns the debt can determine if the other side can prove their case at trial. These days, credit card debt are sold fairly quickly after the credit card has charged off the debt. Most sell the debt after the debt has become delinquent after a year.
If that is the case and your debt was sold then you might stand a good chance of winning your case. Its best to get an attorney to review your case to see the viability of prevailing on your case or not. It also will stop those phone calls from the debt collector as well.