Debt Collection Lawsuits
When you have been sued for a past due debt, we can defend the case and help you avoid a judgment. After you receive the summons and complaint, you have a very short time to respond. Do not allow a judgment to be entered. The judgment allows the creditor to garnish your wages, seize your bank account and other assets, and place a lien on your home.
If you get sued, you have three possible options. Below, we offer a detailed description of each:
- Settle: The first option is to settle the lawsuit. You can pay in a lump sum or the creditor may accept monthly payments. This works well if the debt is small and you do not have other substantial debts.
- Litigate: The second option is to litigate. Many collection cases can be defended, particularly if they are debt buyer lawsuits. Litigation is a good choice if you have valid defenses.
- Bankruptcy: The final option is bankruptcy. Bankruptcy will eliminate most debts and give you a fresh start. After a bankruptcy filing, lawsuits must stop. Bankruptcy is a good choice when you owe a substantial amount of debt and you do not have a strong defense to the lawsuit.