Being served with a debt lawsuit is no doubt a shocking and unpleasant experience. It’s also increasingly common in today’s world.
It used to be that litigation was cumbersome and expensive, and creditors would only sue on substantial debts.
With electronic filing and an increase in the number of collection attorneys, it’s becoming more common for people to be sued on small debts.
If you have been served with a debt lawsuit, you should do a couple of things. First of all, don’t be embarrassed. This is a very common occurrence.
Next, don’t ignore the lawsuit. You usually need to respond in a short period of time to preserve all your rights.
The Law Offices of Karen Ware offers a free attorney consultation for debt lawsuit cases. We will go over all of your options for responding to a debt collection lawsuit. Please call (805) 284-0760 to receive your immediate, free consultation.
If you have been sued by creditor or debt collector / buyer, we can help.
You might have defenses to the lawsuit, counter-claims against the plaintiff, and / or objections you can raise in defending the case.
If you ignore the lawsuit, the plaintiff is likely to get a judgment against you.
Once the creditor has a judgment, it can garnish your wages, levy your bank accounts, and file liens on your assets.
Bankruptcy also stops debt lawsuits. If you have multiple debts, bankruptcy can be the most effective way of dealing with both the lawsuit and your other debts as well.
But, bankruptcy is not the right option for everyone. Be assured we will discuss all your options during your free phone consultation.
— Raymond Hull, Playwright and Poet