It can be intimidating to receive a legal notice from a bank regarding overdue credit card debt. It's possible that you have gone behind on your payments, that you have already paid more than they are reporting, or that the charges are simply incorrect. Ignoring the notice is the worst thing you can do, regardless of the circumstances. A legal notice gives you an opportunity to defend yourself before the bank takes the issue to court, arbitration, or recovery procedures. It is more than just a last warning. Responding appropriately safeguards your rights regardless of whether the sum is contested, inflated, or actually owing. Additionally, your legal response becomes much more important if the claim is based on an incorrect credit card payment. https://www.edrafter.in/reply-to-legal-notice-for-credit-card-payment/