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Why Ignoring Those Debt Collectors May Not Be in Your Best Interest

debt collectors
  • Mar 28 2019

Household debt in the US is continuing to rise to historical proportions, nearing $14 trillion. This includes mortgages, student loans, cars, and credit cards, meaning that many consumers are up to their eyeballs in debt, struggling to make even their minimum payments each month. As debt climbs nationwide, many households are being thrown into bankruptcy as a last resort.

Once payments have been missed, the creditors will likely begin calling and sending letters to you regularly. It’s understandable feeling despondent or hopeless if you are being hounded constantly by debt collectors. You may be tempted to sweep your debt problems under the rug; after all, it isn’t that difficult to toss the mail, turn off the phone, and shut off the outside world and pretend like nothing is happening. This is the time, however, to discuss your debt issues with an attorney from a firm like Fitzgerald & Campbell, APLC.

The problem with tuning out your creditors is losing out on key information; shield yourself for long enough and you may have no idea what their next move is until it happens. If a lawsuit has been filed and the process server is on their way to your doorstep, it is critical that you are as prepared as possible. It can be scary, but you don’t need to go it alone. With the help of your collections lawsuit attorney, you will have someone knowledgable to walk you through the process of filing a response or attending court to avoid having a default judgment granted against you.

Taking control of the situation, especially by allowing your attorney to launch a defense, is critical so you do not end up having your wages garnished, watching your assets be seized by local law enforcement and then sold off at public auction, or losing access to your financial accounts. This last scenario can be one of the most jarring, as you are not able to get to your deposits, checks you have written cannot clear, and going to the ATM becomes an impossibility.

If you are concerned about impending creditor lawsuits or fighting a default judgment, consult with an experienced law firm like 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 info@debtorprotectors.com.

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Posted in: Collections lawsuit, Credit Card Lawsuits, Debt Collections