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. What you need to understand is that some of these collection agencies tend to use a language that sparks fear. 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.
It would be a good thing to work with 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.
You would avoid lawsuits if you challenge the legal rights of the company to file a debt lawsuit. There is no way for the process to continue if the company pursuing the debt lawsuit does not prove 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 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. 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. There is a need for anyone faced with a debt collection lawsuit to ensure that he or she enquires about proof that he or she is responsible for the debt, and the amount he or she owes; doing this would be a way to prevent debt collection lawsuit.