Question from a reader:
I received a letter from the court regarding overdue payments on my PayPay card. How should I write my response to avoid having to appear in court? If anyone has experience, please give me some advice.

Dealing with Overdue PayPay Card Payments and Court Summons

Hello everyone. Today, I want to discuss a somewhat heavy topic: overdue payments
on the PayPay card. Specifically, I will provide advice for those who have received a summons from the court, sharing real experiences along the way. Honestly, hearing about overdue payments or court matters can make anyone anxious. However, it’s important to stay calm and think things through together.

My Experience and Examples

First, let me share a bit about my own experience. A few years ago, I once missed a payment on my credit card. I don’t know what I was thinking; I was so busy with life that I accidentally forgot the payment deadline. After that, I received reminders via phone and email, and eventually, a notice from the court arrived. I still remember the panic I felt at that time. So, how should one deal with such a situation? First, I will talk about how to prepare your response.

What to Know Before Writing Your Response

A response is a document that communicates your opinions and position to the court. By preparing this document properly, you may be able to avoid having to appear in court. However, there are several important points to consider. 1. Fact Confirmation: First, it is necessary to acknowledge the fact that you are overdue. Honestly state how much you owe and since when you have been overdue. 2. Explanation of Reasons: Be specific in explaining the reasons for your overdue payments. For example, write about unexpected expenses or a decrease in income, so that the court can understand your circumstances. 3. Proposal of a Repayment Plan: Present a concrete repayment plan to demonstrate your sincerity to the court. For example, state a specific amount and deadline, such as “I will pay XX yen by MM month.”

Example of an Actual Response

Now, let’s look at an example of an actual response. Of course, this is just one example, so please adjust the content to fit your own situation. [Court Name] [Address] [Date] [Your Name] [Address] [Contact Information] Subject: Response I would like to express my opinion regarding the lawsuit related to my PayPay card as follows: 1. I acknowledge that I currently have an overdue amount of XX yen on my PayPay card. 2. The reason for my overdue payment is [insert specific reason]. For example, I incurred unexpected medical expenses that strained my living costs. 3. Currently, I am [briefly describe your job or income situation] and I am considering the following repayment plan: – Pay XX yen in MM month – Continue to pay XX yen monthly thereafter For these reasons, I hope the court can understand my situation. Thank you for your consideration. [Your Name]

Key Points to Avoid Appearing in Court

Now, what’s important here is how to submit this response. In many cases, you will either mail it to the court or deliver it in person. If you choose to mail it, be sure to include a delivery confirmation. It’s crucial to keep evidence. Additionally, after submitting your response, wait for a reply from the court. During this waiting period, it’s important to start implementing your repayment plan. By actually beginning to repay, you can show sincerity to both the court and the other party involved.

If You Must Appear in Court

However, if you find yourself in a situation where you must appear in court, don’t panic. When you do appear, it’s important to calmly explain your situation and bring your repayment plan with you. Remember, judges are human too, and by responding sincerely, they may be more understanding of your circumstances.

In Conclusion

If you receive a summons from the court regarding overdue payments on your PayPay card, first take a deep breath and accept the facts. Then, prepare your response carefully and address the situation sincerely, which may help you avoid having to appear in court. I have been in a similar situation before, and by staying calm, I was able to overcome it. What’s important is to keep your future in mind and act sincerely. Take your time, and move forward step by step.