Sued for PayPal Synchrony Card — How to Win

Chloe Meltzer | December 07, 2023

Chloe-Meltzer
Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: When you're sued for your PayPal Synchony Card debt, you might not know how to respond. Don't try to hide from your debt. Learn how to make a defense with SoloSuit.

The PayPal Extras Mastercard is issued by Synchrony Bank. It may seem like a great opportunity to score rewards with points on gas and all PayPal purchases. But it can quickly turn into a nightmare if you get behind on bills or forget to pay.

When you do not pay off your PayPal Synchrony Card, you may receive a summons to appear in court. This is because you are being sued to pay your debt. Whether you are being sued for the PayPal Synchrony card by PayPal or a third-party debt collector, there are a few things you need to know to navigate your situation effectively.

Use SoloSuit to win your debt collection lawsuit.

Defend Yourself by Asking for Evidence of the Debt

If you are being sued for an outstanding balance, PayPal or a debt collector must be able to prove that you owe that amount. If they cannot, then you may be able to have your case dismissed. The best way to demonstrate this is by responding to the initial summons and showing up to your court date.

You will need to begin by making your case against theirs. The amount the credit card company is suing you for must be exactly how much you signed on to pay.

Request the Original Creditor Agreement

If PayPal is the one suing you then they most likely have the original creditor agreement. In this case, you will need to move on to a different defense. If it is a third-party debt collector, then they may not have this proof.

If they cannot prove that you even had a contract with someone in the first place, a judge will side with you. Think about it, courts operate on evidence. If there is no physical evidence of a contract, then there is no proof that you owe the debt.

Require Proof of a Breached Contract

Along with the original credit agreement, the credit card company must prove that you breached the contract. Whether this is through account statements and records showing that you did not pay or that they in some way suffered harm due to your not paying. If PayPal did not lose money because of your not paying, then there is no harm done.

Make the right defense with SoloSuit.

Affirmative Defenses That Will Help You Win a Debt Lawsuit

If you do owe the debt, then you will need to find a defense if you are planning to avoid paying it. This cannot be a defense of “I can't afford it” but rather a legal and affirmative defense. It should show that PayPal or Synchrony violated some form of law.

The Statute of Limitations

Every state has a law that governs how long a debt can legally be brought to court. In Vermont, the amount of time you can legally be brought to court for debt is six years, while in New York it is 20. If a few years have passed, and you do not live in New York, then you may be in luck.

When the statute of limitations has expired, the debt will be considered time-barred. Although you cannot be brought to court for the case, the debt collector or creditor may still pursue you for the debt. This may hurt your credit score and continue to follow you.

Other Defenses Include:

  • Failure to comply with regulations of the court: You will be held to specific laws and regulations, therefore PayPal and Synchrony should be too.
  • Failure to attach proper contract or paperwork to the lawsuit: This must include all the documents that support its allegations.
  • Sued over fees not in the contract: This can include late fees, extra charges, collection fees, court costs, lawyer fees, or anything else that is not included in the contract.
  • Charged illegal interest rate: There is a limit to the interest that you can be charged on a loan or credit card. Although this is rare, if you have been overcharged, you need to bring this to court to have your case dismissed.
  • Sued for charges you never authorized: If you never authorized the charges, then you will not be responsible for them. The only time you may be is if you are a cosigner for a different person on their account.
  • Sued for illegal fees: Depending on the state you live in, if you have been charged for something that you believe is illegal, your case will be dismissed.

File a response in 15 minutes with SoloSuit.

Respond Quickly to Correspondence from PayPal Synchrony Card

If you are looking to win your case against PayPal Synchrony Card when being sued for a debt, you must respond to all correspondence. This is essential because if you do not respond within certain periods, you will receive a default judgment.

Default judgments occur after you have been served with a notice to appear in a court (summons) and you ignore it. Typically you will be given 20 to 30 days to respond to a lawsuit summons, and after that period you give up your right to respond. Essentially a default judgment means that you lose the case. It also allows PayPal Synchrony to begin garnishing your wages and pulling money out of your bank account to pay off the debt. You want to avoid this at all costs.

Even if you know that you owe the debt, and feel that you cannot pay off your debt, you must respond. You always have options when it comes to credit card debt.

What to Do If You Owe a Debt and Lose Your Case

Even if you do owe a debt to PayPal Synchrony and do not have a good defense, you have other options. The main option is to settle the debt. Settling the debt is essentially a negotiation. When settling you can either choose to pay in full or by making payments.

Oftentimes if you pay in full, then you can even settle the debt for less than owed. This can allow you to get your credit back on track and start fresh. If you decide to make payments, then you can come to an agreement on how much you plan to pay each month.

Since PayPal Synchrony is an original creditor, you most likely will need to prove your defense or negotiate for a lower settlement. Whatever you do, you must respond to the lawsuit or you will lose any hope at all.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources



It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started

Contents

Affordable Legal Help
Trustpilot

Respond to Your Debt Lawsuit

Get your professionally reviewed Answer in minutes. No expensive lawyers needed.

loading...
Get My Answer
Affordable Legal Help
Trustpilot

Respond to Your Debt Lawsuit

Get your professionally reviewed Answer in minutes. No expensive lawyers needed.

loading...
Get My Answer
loading...
Get My Answer