On : My Experience Explained
How to Deal with Debt Lawsuit
It is for a fact that no one would want to deal with mailings, lawsuits, or calls from debt collectors. What you need to understand is that some of these collection agencies tend to use a language that sparks fear. However, when you are served with a lawsuit and threats, you should never think of ignoring it. It can be hard for you to resolve an issue especially if you do not know what to do. It would be easier for you to handle a debt lawsuit if you consider the tips below.
You should consider hiring debt lawsuit lawyers. No one should discourage you from hiring debt lawsuit lawyers. With a lawyer, you will be able to understand all your options when it comes to defending against a debt collection lawsuit.
You would avoid lawsuits if you challenge the legal rights of the company to file a debt lawsuit. What you need to note is that the company pursuing the debt lawsuit has to prove the right they have to pursue the same. If you do not want to admit the responsibility of debt, you should not stay silent on the matter. If you want the judge to go with your request, there would be a need for you to request documentation in writing. The plaintiff should have a signed credit agreement; it should have your signature.
You should not fail to respond to the lawsuit of debt claim. If you do not want to go wrong, you will have to respond to the lawsuit. What you need to understand is that failing to respond would mean that the collection agency would have a default judgment against you. Moreover, you have to ensure that you respond within the set timeframe set by the summons; this might be up to 30 days from the date of the notice.
Pushing back on the burden of proof would be another thing to do. As stated earlier, the plaintiff should prove that you owe a specific amount. As long as the plaintiff does not show that you are responsible for the debt, it can be hard for the case to go on. If you follow these tips, you will get the help that you need and it would help prevent debt collection lawsuits.