How to Prevent 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. 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. 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. If you have a debt that you are unable or unwilling to pay, you might think that hiring debt lawsuit lawyers would not be a good thing but this is not always the case. With a lawyer, you will be able to understand all your options when it comes to defending against a debt collection lawsuit.
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. If you want the judge to go with your request, there would be a need for you to request documentation in writing. 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. What you need to understand is that failing to respond would mean that the collection agency would have a default judgment against you. 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.
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