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.
Robodialing and Telemarketing
The Telephone Consumer Protection Act (TCPA) restricts the use of automatic dialing systems, known as autodialers or robodialers. The TCPA also restricts the use of automatically generated text messages to your cell phone.
|If you are receiving calls or texts on your cell phone generated by an autodialer, call Bradburn Law Firm. Do not delete any of the texts or calls that you suspect may have come from autodialers. We will review the matter and help determine if a violation of the TCPA has occurred.