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Why Being Sued by a Creditor Can Lead to a Serious Court Judgment

  • Mar 12 2019

Consumer debt has reached an all-time high in the US, with the student loan crisis also approaching a cumulative total of $1.56 trillion for over 44 million borrowers to deal with, and some of who are being sued by services, unfortunately. You may be at a loss to think of anyone who isn’t struggling with the bills today, and especially as the cost of living continues to rise, while your income does not.

If you have found yourself deeply in debt, chances are it is due to an unfortunate and even catastrophic life event. In some cases, there may have even been an escalation of issues from an illness to an accident, divorce, loss of job or significant hours, or more. Family issues such as an ageing parent who needs your help could have had a major impact on your finances too. You may have had to quit your job, move, or you may be dealing with the grief of a recent death in the family. Usually creditors are sympathetic for a short period of time and may even extend flexibility in payments and interest; however, they are in the business of making money and can become ruthless when it comes to seeing debts satisfied.

It can be all too easy to turn off the phone and throw all that depressing mail in a drawer, but if you have been served with a collection lawsuit, take immediate heed! This is not something you should procrastinate over as the repercussions could be further financially devastating and long-lasting. Seek legal help to file a response to the lawsuit as soon as possible, and launch a possible defense too in working with a skilled collection lawsuit attorney from a firm like Fitzgerald & Campbell, APLC. This is key.

You may be surprised to find out that most individuals who are sued simply do not show up, but it is also easy to understand the temptation in either putting off dealing with a lawsuit or just ignoring it altogether. Many consumers run out of time (you have 20 to 30 days in most cases from the time of being served), feel intimidated by the court process, or decide to run the risk of not replying and hoping nothing further happens.

The problem is that in not responding or not showing up—for whatever reason—a court judgment (also known as a default judgment) will probably be granted against you, and quickly. This then leaves you open to losing your pay in garnishments, losing property as it is seized, and losing out on control over your financial accounts as they are frozen. If you are at that point, there is still a chance to reverse such actions, but you will need skilled legal assistance.

If you are finding it difficult to pay your bills and need an experienced debt defense attorney, contact our office now. The attorneys at Fitzgerald & Campbell, APLC can review your current situation and discuss your options with you, even if that means fighting a collections lawsuit, judgment, or helping you file for Chapter 7 bankruptcy. Our attorneys have decades of experience representing clients in all types of consumer rights matters, and we are here to help you! Call us today for a free consultation (855) 709-5788 or email us at info@debtorprotectors.com.

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Posted in: Collections lawsuit, Credit Card Lawsuits, Judgments