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What To Do If You're Being Sued By A Debt Collector

Dealing with insurmountable debt is stressful and, unfortunately, the situation can get worse when debt collectors proceed to sue you for the debt you owe. Oftentimes, the collection agencies that demand repayment and sue are not your original creditors, but rather purchased your outstanding debt and the right to pursue repayment from you. As a result, many of these agencies are more prone to aggressive, harassing techniques in an effort to force you to pay up, including filing a lawsuit.

Here is what you should do if you are being sued by a debt collector:

  • Never accept liability: Not accepting liability for the money you owe might feel like a dishonest act, but in challenging the debt collector’s lawsuit, you are actually calling their right to sue you into question. The fact is things tend to get a little messy when debt collectors buy debt in bulk from creditors and it is likely they will not have the necessary evidence to prove they own your debt and can sue you for it since it is not uncommon for debt collectors to lack proper documentation. In some cases, to avoid this scenario altogether, they might offer you a settlement that lessens your burden or drop the lawsuit, depending on the details of your circumstances. Ultimately, it is in your best interests to do what you can to challenge the lawsuit and not accept liability.
  • Do not simply forget about it: Forgetting and ignoring the lawsuit brought against you by a debt collector is a big mistake. The lawsuit will not disappear just because you wish to keep it out of sight and out of mind. Instead, without your involvement, you can expect the court to grant a default judgment that favors the debt collector. Once this happens, you will lose the chance to dispute the debt. To force you into repayment, the collector might be allowed to take money from your bank account or garnish your wages.
  • Do not put off obtaining legal guidance: With so much debt on your plate, you probably think hiring a bankruptcy attorney is outside the realm of possibilities for you. Find a law firm that provides free consultations to discuss your case. If the attorney you speak with reviews your situation and believes you do not have a good case, they will tell you so and will not have to pay any fees for the advice. In some cases, an attorney might even get the debt collector to pay your legal fees, in addition to winning your case. Basically, you would be doing yourself a major disservice if you did not consider hiring an attorney.

Hire an Experienced Bankruptcy Attorney Today!

If you are being sued by a debt collector, you should not hesitate to contact the bankruptcy team at Campbell Law Firm for the skilled legal advice you need during this difficult time. We have over 30 years of experience in this field and will use it to your advantage.

Contact our office today at (903) 345-0031 to request a free case review with one of our knowledgeable bankruptcy attorneys.