If a credit card company is pursuing legal action against a debtor what communication is required?

Communicate only in writing and send certified mail to document, do not communicate over the phone where they record your conversation. It really all depends on what State you live in and are you married or not. If you are being sued in a State that they can garnish your wages or get into your bank account, then watch out and if you are married and live in a community property State, then your spouse is also liable for this debt and can be sued also. Contact an Attorney if you get served with papers. Good Luck * None. The creditor's legal counsel will contact the debtor with terms of the repayment and/or settlement offer and set a time for acceptance to pay the amount owed, agree to a settlement or arrange payment options. Generally the letter will state the lawsuit will be filed or has already been filed but will be withdrawn if the debtor makes arrangements before the day of the hearing. The debtor should never agree to any terms that they cannot fulfill. If served with a summons, it would be in the debtor's best interest to obtain legal advice or representation if possible. Most attorney's offer free or minimal rate consultations. The American Bar Association offers a free nation wide referral service on the website, http://www.abanet.org