Credit Card User Liability

Summary

In New York, a credit card account holder can sue an authorized user for unpaid charges. To defend, show no repayment agreement, provide payment evidence, and check if charges are time-barred by the statute of limitations. Legal advice is recommended for personalized guidance.

Full Conversation

In the past. The account is since been closed.
In New York, a credit card account holder can potentially sue an authorized user for damages if the authorized user made charges on the card and failed to make payments. The account holder might argue that the authorized user is responsible for the debt incurred.
Would you like more details on how to proceed with such a lawsuit?
I’d like details on how to defend against such lawsuit.
To defend against such a lawsuit in New York, consider the following points:
- Proof of Agreement: Show there was no agreement to repay the charges.
- Documentation: Provide evidence of payments made or disputes raised.
- Statute of Limitations: Verify if the claim is within the allowable time period for such claims in New York.
- Legal Representation: Consider consulting a lawyer for personalized advice.
Would you like assistance finding a local lawyer?
If some charges are outside of the statute of limitations, do they count?
Case Rating: *
Charges outside the statute of limitations generally cannot be legally pursued. To defend against such a lawsuit, you would need to demonstrate that the charges in question are indeed time-barred.
Would you like assistance finding a local lawyer who can better assist you with your case?
No
Case Rating: *
It's important to gather all relevant documentation and evidence to support your defense. This includes any proof of payments, agreements, and disputes raised. If you decide later that you need legal representation, consulting with a local lawyer can provide personalized advice based on your specific situation.