Court Judgments Granted: The Clock is Ticking!
If you have fallen deeply into debt, you may find yourself looking wistfully back to the days when life was simple—before the home and the car payments were part of the financial equation, along with the credit cards and student loan debt. With debt collectors calling and writing, and aggressive collections activities ensuing, you may feel like the situation is hopeless. That is not true though, and help begins with expert legal advice from a firm like Fitzgerald & Campbell, APLC. Reaching out is key—especially if you are being sued.
Collections lawsuits don’t appear on your doorstep overnight but are usually the result of months of communication from a creditor or debt collections agency, with no resolution on your part. Amidst the possibility of threats and intimidation if the debt was left unsatisfied, after some time, a process server may have delivered a summons and complaint to you (or they may have left it with someone of age who is living with you). And although it can be tempting just to throw all the paperwork on the pile with the bills that are also impossible to pay, the arrival of a collections lawsuits signals a deadline that must be met, as well as the opportunity to deal with the debt once and for all.
Filing a response (and this may be possible even if you are a little late) is the best route to take, upon consulting with a skilled collections lawsuit attorney who will be able to help you fight the case or go on later to negotiate a payoff with the creditor or debt collections agency. Although the amount of time you are given file your response will be included in the summons, you can count on it usually being 20 to 30 days. A late response may be accepted if you have a valid excuse, but in general you should plan to answer as soon as possible. Failure to do so can result in negative repercussions, as a default judgment will most likely be granted.
The default judgment can be somewhat tricky to see dismissed once it has been granted, but this is possible through a motion to vacate—again, something that requires a valid excuse for why you did not reply originally. Once the motion to vacate is granted, your attorney can move forward to fight the case. If you do not respond or defend the case and a default judgment is in place, you could end up dealing with garnished wages, seizure of your property, and frozen bank accounts.
If you are concerned about impending creditor lawsuits or fighting a default judgment, consult with Fitzgerald & Campbell, APLC as soon as possible. A solution can be found to help you through any of these issues, even if a judgment has already been granted. Our attorneys have decades of experience in serving clients as they navigate through challenging financial situations, to include collection lawsuits, default judgments, and more. Let us review your case and discuss what would work best for you. We are here to help! Call us today for a free consultation at (855) 709-5788 or email us at firstname.lastname@example.org.
Posted in: Judgments