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. 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. 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. 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. 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. Furthermore, failing to respond would mean that you admit the debt. 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. 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. If you do not want to go wrong, you will have to respond to the lawsuit. What you need to understand is that failing to respond would mean that the collection agency would have a default judgment against you. Taking more than is required to respond to the summons would not be a good idea and you should avoid it.
It would be a good thing to ensure that you push back on the proof burden. As stated earlier, the plaintiff should prove that you owe a specific amount. The plaintiff would have another duty to show that you are the one responsible for the debt. If you follow these tips, you will get the help that you need and it would help prevent debt collection lawsuits.