If you’ve been sued by Wescom Central Credit Union for unpaid credit card balances, personal loans, or other debts, you’re not alone. Wescom is one of the largest credit unions in California, and when borrowers fall behind, they often pursue aggressive collection actions—sometimes through their own legal department, and other times through outside debt collection law firms.
The truth is, ignoring the lawsuit will not make it go away. If you fail to respond, Wescom can get a default judgment, allowing them to:
- Garnish your wages (up to 25% of your take-home pay in California)
- Freeze your bank accounts and take funds directly
- Place a lien on your property that could impact your ability to sell or refinance
Why Wescom is Taking You to Court
Wescom Central Credit Union may file a lawsuit for several types of consumer debt, including:
- Overdue credit card balances
- Personal loans or lines of credit
- Auto loan deficiencies after repossession
- Other unsecured or partially secured debts
Many consumers are surprised to be sued because they thought the credit union was more “friendly” than a bank. But once your account becomes delinquent, Wescom acts like any other creditor—and their goal is to recover as much money as possible.
The Legal Risks of Doing Nothing
According to California court data, over 80% of debt collection cases end in default judgment—meaning the borrower never responded. Once Wescom has a judgment, they can enforce it for up to 10 years (and renew it for another 10 years).
That means they can keep coming after you for decades, adding interest the entire time.
How We Defend You Against Wescom Lawsuits
At The Fullman Firm, we’ve helped thousands of Californians fight back against credit union lawsuits—including Wescom. Our strategies may include:
1. Forcing Wescom to Prove Their Case
We make them provide the original signed agreement, detailed payment history, and proof of the correct balance owed. If they can’t produce proper evidence, their case may collapse.
2. Challenging Errors and Violations
We check for calculation mistakes, improper fees, and violations of state and federal collection laws.
3. Negotiating from a Position of Strength
When Wescom realizes you have legal representation and are willing to fight, settlements often drop to a fraction of the original demand.
Why Work With The Fullman Firm?
When it comes to debt collection lawsuits in California, experience matters. Here’s why clients choose us:
- Proven Track Record: We’ve defended thousands of debt lawsuits statewide.
- Transparent Flat Fees: You’ll know the cost upfront—no hourly surprises.
- Flexible Payment Options: Through ClientCredit, you can hire us now and pay over time.
- Direct Attorney Access: You’ll work with the same attorney from start to finish.
- Statewide Coverage: No matter where you are in California, we can help.
What to Do If You’ve Been Sued by Wescom
- Check the deadline to respond (usually 30 days in California).
- Do not contact Wescom directly without knowing your rights.
- Call us immediately at (877) 227-2872 for a free consultation.
- Bring all lawsuit documents so we can review your case and create a defense plan.
Act Now—Before It’s Too Late
If Wescom gets a judgment against you, they can collect aggressively for years. The sooner you respond, the more options you have to win the case, negotiate for less, or protect your assets.
📞 Call (877) 227-2872 or contact us online today. We’ll review your situation, explain your legal rights, and create a plan to fight back.
