If You Don’t Show Up to Court, Expect a Default Judgment
Being served with lawsuit documents and being summoned to court is never an enjoyable time, but it is the risk you run in leaving debts unpaid; of course, that may be completely and unfortunately out of your control—and when there is no money left over to pay off credit cards or make other payments, you probably see little point in continuing to talk to creditors and debt collections agencies. This type of scenario often unfolds after a major and possibly traumatic experience, from a terrible illness or accident to a divorce or separation. You may have been laid off from your job, or your hours were cut to the point that you started having trouble making ends meet.
Once that first or second delinquency occurs, on a credit card account, for example, there is often an escalation of fees that just keeps on rolling, and before you know it, even the minimum payments may be too much. Collections activity may seem frenzied for quite some time, and then once your account is charged off and handed to a debt collection agency, there is the possibility of a collection lawsuit. And while there are probably plenty of threats, you may have discovered that some companies are content to keep doing just that—issuing threats—but nothing ever changes except some of the wording in their letters or calls.
If you are being sued, it is time to enlist skilled legal help from a collection lawsuit attorney at Fitzgerald & Campbell, APLC. You may be interested in negotiating with the creditor and paying off the debt at a discounted rate in one lump sum (sometimes this is well worth it, even if you must find a personal loan to be paid off at minimal interest) or you may want to reply to the lawsuit and have your attorney defend you in court. The point is to act! Many debtors are intimidated by the court process or just so depressed about the entire issue that they procrastinate until it is too late, the court date has passed, and a court judgment has been filed against them. This is serious because it can quickly lead to wage garnishing, seizure of property, freezing of checking accounts, and more.
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 firstname.lastname@example.org.
Posted in: Judgments