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  1. #1
    Join Date
    Jan 2008
    Posts
    15

    Question Suing an Authorized User on Credit Card

    My question involves collection proceedings in the State of: Al

    Is it legal for a collection agency to sue an authorized user on a credit card?
    Not a co-signer or a co-holder, only an authorized user. It my understanding that only the card owner is responsible. What can the authorized user do about it?

  2. #2

    Default Re: Suing an Authorized User on Credit Card

    Anyone, even a collection agency can bring a suit against anyone else, even an authorized user, to try to pressure them into paying. But they can bring a suit against Santa Claus and the Easter Bunny too. Just because they BRING a suit doesn't mean they actually expect to win it (they can sure hope you cave in out of fear and whip out your checkbook) - and absolutely doesn't mean that the court is automatically going to give them a judgement. On the contrary, authorized users (so long as they aren't married or otherwise legally encumbered to the account holder) have an absolute legal defense: "it's not MY account - you're suing the wrong person".

    On the flip side of that, an account holder can certainly try to bring a civil suit against an authorized user if, for example, that authorized user mid-used the account in some fashion or broke some other agreement such as an agreement to pay for some or all of their charges, etc.

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