If you're getting sued over old credit card debt, you need to act fast, or it could cost you. Mohd Izzuan/Getty Images

It's a scenario no one wants to find themselves in. You open your mail to find a court summons, or a process server knocks on your door with a lawsuit over your delinquent credit card debt . Maybe you saw it coming, or maybe life threw you a curveball when a medical emergency, job loss or unexpected expense made even the minimum payments impossible. Whatever the cause, though, that summons in your hand represents more than just past-due bills. It's a legal action that could result in wage garnishment , frozen bank accounts or liens against your property if you don't respond appropriately.

Getting sued over unpaid credit card debt doesn't mean you're on the

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