I need assistance on how to start a civil proceeding vs someone who has failed to make payments on a credit card and they were an authorized user

If the claim is $12,000.00 or less, you can file a complaint in your local magisterial district justice for a fee.  A hearing will be scheduled, usually a default hearing if the defendant fails to respond.  In that event, you will obtain a default judgment.  If she defends, a hearing will be scheduled at which you will have to appear and prove by preponderance of the evidence that a legal enforceable contract exists that she breached. I trust this answers your question, but feel free to call or email on a free initial basis. Matthew R. Nahrgang, Esquire 35 Evansburg Road, Ste 400 Collegeville, PA 19426 610 489-3041 o 610 489-3042 fax mnahrgang@verizon.net nahrganglaw.com