Verify the plaintiff has standing to sue
Demand proof of the debt and chain of assignment
Check whether the statute of limitations has expired
Review the summons and complaint for service defects
Look for errors in the account number, amount claimed, or party name
File an answer on time to avoid default judgment
Assert lack of personal jurisdiction if applicable
Assert improper venue if applicable
Challenge the complaint for failure to state a claim
Raise arbitration if your card agreement requires it
Object to missing or defective documentation
Dispute hearsay or unauthenticated records
Request dismissal if the debt was already paid, settled, or discharged
Raise identity theft or mistaken identity if relevant
Seek dismissal if the debt buyer cannot prove ownership of the account
File a motion to dismiss when legal defects are clear
File a motion for summary judgment if the evidence favors you
Negotiate a settlement or stipulation for dismissal
Attend all hearings and deadlines
Consider consulting a consumer defense attorney