Need help with debt?

Debt Collection Lawsuits

When you have been sued for a past due debt, we can defend the case and help you avoid a judgment. After you receive the summons and complaint, you have a very short time to respond. Do not allow a judgment to be entered. The judgment allows the creditor to garnish your wages, seize your bank account and other assets, and place a lien on your home.

Settle: The first option is to settle the lawsuit. You can pay in a lump sum or the creditor may accept monthly payments. This works well if the debt is small and you do not have other substantial debts.

Litigate: The second option is to litigate. Many collection cases can be defended, particularly if they are debt buyer lawsuits. Litigation is a good choice if you have valid defenses.

Bankruptcy: The final option is bankruptcy. Bankruptcy will eliminate most debts and give you a fresh start. After a bankruptcy filing, lawsuits must stop. Bankruptcy is a good choice when you owe a substantial amount of debt and you do not have a strong defense to the lawsuit.

Bankruptcy

Chapter 7 and Chapter 13 bankruptcy can be useful tools when dealing with overwhelming debt. If you find yourself facing a mountain of debt and constantly worrying or scrambling to make ends meet, then it is time to find a better way. Filing bankruptcy could be your best solution. Contact us for a no-obligation consultation regarding your options. We will explore all possible solutions.