How to Deal with Debt Lawsuit
You would agree with me that dealing with debt collectors’ calls, lawsuits, or mailings is not something anyone would want to deal with. Now that most people already know the type of language that debt collectors use, they tend to have so much fear in them; hence, the reason for not wanting to deal with that. However, when you are served with a lawsuit and threats, you should never think of ignoring it. The fact that you do not have much knowledge of debt lawsuits and threats explains why they think that ignoring such would be the solution. The points below would help you when you want to prevent debt lawsuits; you will get protection from lawsuits for debt; they would offer debt lawsuit protections.
There is a need for you to note tha debt lawsuit lawyers would be helpful when faced with a debt lawsuit. Even though some people might feel that it would be unnecessary and costly to hire a lawyer, the truth is that it would be a good idea. It can be hard for you to know the options you have and this explains why you need to hire a lawyer.
Challenging the legal rights of the company to sue would be another way to prevent debt lawsuit. What needs to happen is that the company following upon the matter has to prove it has the right to do the same. There is no way you can fail to respond to the claims and expect the judges to say that you do not admit responsibility for the same. Therefore, you should ensure that you ask for documentation in writing because that would be a way for the judge to back the request. What you need to note is that the plaintiff should show the judge a credit agreement that you have signed.
You should not fail to respond to the lawsuit of debt claim. You do not just sit and ignore the summons and complaints because that would be a big mistake. No one would love the idea of the debt collection agency having a default judgment against the claim and this clearly explains the need to respond to the claims and lawsuits. Some people wait for too long to respond to the claims but this should not be the case; what you should know is that the summons have a date and you should not take more than 30 days to respond.
You should consider pushing back on burden of proof. As stated earlier, the plaintiff should prove that you owe a specific amount. Moreover, the plaintiff would have to show that you are responsible for the debt. Therefore, make sure that you enquire proof for the same because that would be a way to prevent a debt collection lawsuit; this is something that you need to do.