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Being Sued by Synchrony Bank? Here’s What You Need to Know
Synchrony Bank is one of the largest consumer finance companies in the U.S., known for issuing retail credit cards for major brands and stores. When a consumer falls behind on payments, Synchrony often files debt collection lawsuits to recover the balance — sometimes for relatively small amounts.
Synchrony Bank aggressively pursues legal action against consumers who default on their accounts. Their attorneys frequently file Motions for Summary Judgment, supported by affidavits and account documents that may not always be complete or accurate.
At New Path Law Firm, we’ve defended hundreds of Synchrony Bank lawsuits nationwide. Our attorney-led team understands the tactics Synchrony’s lawyers use and how to challenge their evidence effectively. We can help protect your rights, negotiate settlements, and prevent judgments that could lead to wage garnishment or frozen bank accounts.
1
Review the Lawsuit Carefully
When Synchrony Bank sues, the first step is to read all court documents thoroughly.
Look for:
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Your court date and response deadline (usually 14–30 days)
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The case number and amount claimed
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The law firm representing Capital One
Important: If you fail to respond on time, Synchrony Bank can obtain a default judgment, giving them the power to garnish your wages or freeze your bank account in many states.
2
Identify the Law Firm Suing You
Many people are surprised when they see a local law firm listed on the lawsuit instead of Synchrony Bank directly.
This doesn’t mean the debt was sold — it simply means Synchrony Bank has hired a collection law firm to pursue payment through the courts.
Knowing who’s representing them helps your attorney respond effectively and start negotiations if appropriate.
3
Understand the Nature of the Claim
Most Synchrony Bank lawsuits involve unpaid credit card accounts or personal loans.
The lawsuit (called a petition or complaint) should identify the debt, include part of your account number, and specify the total balance they claim you owe.
If anything seems unclear or inaccurate, do not assume it’s correct — even large banks make errors.
4
Check for Errors or Missing Proof
Just because you’re being sued doesn’t mean the debt is valid or correctly calculated.
Synchrony Bank and their attorneys must prove:
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They own the debt
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The balance is accurate
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The lawsuit is filed within the statute of limitations
5
File a Response (Do Not Ignore the Lawsuit)
It’s critical to file your legal answer with the court before the deadline. You must also send a copy to the opposing attorney to avoid a default judgment.
6
Consult a Debt Defense Attorney
This is where New Path Law Firm can make a real difference.
Our experienced attorneys focus exclusively on debt relief, debt defense, and creditor lawsuit representation.
We can help you:
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Challenge inaccurate or unverified claims
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Negotiate reduced settlements
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Stop collection harassment
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Protect your wages and bank accounts
7
Consider Settlement or Alternative Resolutions
Many Synchrony Bank lawsuits can be resolved without going to trial.
Our attorneys often negotiate reduced balances or interest-free repayment plans, ensuring fair and affordable outcomes for our clients.
Take Control of Your Situation Today.
Call us at: (800) 699-2341
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Why Choose New Path Law Firm
✅ Stop creditor harassment and protect your wages
✅ Experienced attorneys — not a debt settlement company
✅ One flat fee, no matter how long your case takes
✅ We appear in court on your behalf
✅ Trusted by thousands of clients nationwide
Take Control of Your Situation Today.
Call us at: (800) 699-2341
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