Recently I was served with a civil action complaint from a credit card that I am six months delinquent on. The credit card company is sueing me in the PA Court of Common Pleas for the amount owed on the account. My husband has the same card, also six months delinquent, account was opend around the same time, and he owes more on his account than I do, and his account went to a collection agency. I would like to know why or how credit card companies decide who gets sued and who gets sent to collections.