Collections Lawsuits: Don’t Let the Creditor Turn You into a Victim
Debt can be depressing, especially if you are dealing with collections lawsuits. There’s little good about it, except that in the end most consumers are forced to act, making a strategy to reverse the issue and begin thriving again financially. No one wants to remain mired in debt, but if you are in that situation currently, you may feel embarrassed. You may want to hide away, isolating yourself from friends and family, and forget about what is happening; however, we’ve all got to eat, and eventually, the need to survive will bring you back out into the real world.
Upon doing so, you may find that not only are you delinquent on numerous accounts but also that you are being sued. This goes far beyond speaking to creditors and debt collectors as they call continually—along with eventually learning to avoid their ongoing, annoying persistence—and takes your status as a debtor to a new, more serious level. Why? Because of the default judgment. This is why you cannot pull the covers over your head, leaving the problems (and that summons and complaint) pushed under the rug.
A reply to the collection lawsuit is necessary unless you have nothing to lose. You will need the help of a skilled attorney to help you write it—even if you are forced to create a late response due to issues beyond your control, or simple procrastination. Do not feel so intimidated by the creditor or debt collections agency, or the court process overall, that you fall victim and end up with a default judgment against you. A reply could be enough to make the creditor go away, slinking off once they realize you are going to put up a fight and cost them time and money, or they might even be willing to make a settlement for pennies on the dollar. Either way, you should come out of the lawsuit in a much better position than if you had done nothing, leaving yourself open to partial loss of your check in each pay period, loss of property, and loss of control of your checking account.
We can help you explore your options if you are being sued or a judgment has been granted against you. Our attorneys have decades of experience in serving clients with similar financial situations. Let us review your case and discuss what would work best for you. We are here to help! Call Fitzgerald & Campbell, APLC today for a free consultation at (855) 709-5788 or email us at email@example.com.
Posted in: Collections lawsuit