Want to sue Regions Bank in small claims court?

How to Sue Regions Bank

Looking to sue Regions Bank? Small claims court is an option, and you may have others…


Do you qualify to sue Regions Bank in small claims court?

Ready to sue Regions Bank in small claims court? Small claims courts are only for certain types of claims, so your first step is to make sure your claim can be filed. There are two things you need to pay attention to:

  1. The compensation: In most courts you can ask for monetary (dollar amount) or equitable (anything other than money) compensation but when you try to sue Regions Bank in small claims court you can usually only ask for monetary compensation.
  2. The amount:  This leads to the next factor which is that there are state limits to how much money you can ask for in compensation. If you are asking for more than your state maximum, you won’t qualify for small claims. You can find a list of all 50 states’ monetary limits here.

If your claim doesn’t fall within the limits of your state’s small claims court, you’ll have to arbitrate your claim instead.


Send Regions Bank your demand letter.

Most small claims courts require that you ask the person you’re suing (the “defendant”) to fix your problem voluntarily before you file your claim. So if you want to sue Regions Bank in small claims court, you need to send them a demand letter first.

Your demand letter can be simple and straightforward, only a few sentences. You just have to do it before you file any paperwork.

Start by telling Regions Bank who you are (your name, address, phone number and account number), what the problem is, and what you want from them. When you’re done writing, you need to mail a hard copy of the letter, preferably as certified mail or some other service that allows you to confirm delivery, to their legal address:

Regions Bank
Corporation Service Company Inc
641 South Lawrence Street
Montgomery, AL 36104

If you would like examples of demand letters or more information about how to write them, you can find an excellent guide here.


Fill out court forms.

In order to sue Regions Bank in small claims court, you’re going to need to fill out some paper work. However, the forms required vary based on where you live.

The correct forms for your location will be available for free on your state court’s website. Find your state court website here.

Make sure you fill out enough forms – most states that require you to file forms by mail or in-person will ask for 3 or 4 copies. If you don’t have the right number, they will not accept your claim.


File your completed court forms.

When you’re done filling out the court forms, it’s time to give those forms to the court. This is an official legal process, called “filing” the rules for which differ based on where you live.

Many courts will require you to physically come to the courthouse during specific hours and days to hand-deliver the forms to the court’s clerk. Other courts may allow you to file by mail, fax or (for a few courts) online.

All courts will require you to pay a filing fee before they allow your to sue Regions Bank in small claims.

When you file your forms, the court clerk will provide you with a stamped copy of the forms and a court date. Keep it safe as you will need it for the next steps.


“Serve” Regions Bank.

It is a long process but the next step to sue Regions Bank in small claims court is to notify them that they have been sued.

This is a called “serving” Regions Bank. To do this, you need to deliver a copy of your filed papers to Regions Bank.

Look at your court’s website for instructions on how to properly deliver your forms to Regions Bank, or search for “[your state] small claims service of process”. The rules might seem odd but be sure to follow each one otherwise your claim will be dropped.


Show up for your hearing with Regions Bank.

After you get your hearing date from the court clerk gives make sure to put it on your calendar.

Make sure you know which courthouse to go to as many big cities have multiple buildings and chances are it won’t be held in the same building where you filed your forms to sue Regions Bank. Bring your copy of your filed forms, and any other evidence that backs up your case against Regions Bank.

Sometimes, Regions Bank will not show up to oppose you. If that happens, take advantage of the situation to focus on your side of the story.

Ready to sue Regions Bank in small claims court?
If this sounds too hard and expensive, try consumer arbitration instead…

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