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. 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.
You should consider hiring debt lawsuit lawyers. 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 can also decide on the legal rights of the company to sue. What you need to note is that the company pursuing the debt lawsuit has to prove the right they have to pursue the same. Furthermore, failing to respond would mean that you admit the debt. Therefore, you should ensure that you ask for documentation in writing because that would be a way for the judge to back the request. 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. 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. 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. There is no way for the case to go on if the plaintiff does not show 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.