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. The fact that most debt collection companies use a language that instills fear in people explains why no one would love to deal with them. No matter how strong the urge to ignore a lawsuit and threats is, you should never try ignoring it because you would end up in more trouble. 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. It would be easier for you to handle a debt lawsuit if you consider the tips below.
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. 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 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. As long as you ask for documentation in writing, you would have the assurance of the judge going with your request and this would be a good thing. What you need to note is that the plaintiff should show the judge a credit agreement that you have signed.
You should ensure that you respond to the debt lawsuit or claim. It is for a fact that most people do not respond to the summons and complaints they get and this is where they go wrong. You do not want the collection agency to get a default judgment against you and this explains why you should ensure that you respond to the same. 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. It would be good for the plaintiff to prove the amount you owe. 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.