Ways to Handle Debt Lawsuit
It is for a fact that no one would want to deal with mailings, lawsuits, or calls from debt collectors. 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. However, when you are served with a lawsuit and threats, you should never think of ignoring it. 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.
It would be a good thing to work with 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. If you do not want to face confusion when it comes to defending against the lawsuit, you should ensure that you hire debt lawsuit lawyers.
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. If you do not want to admit the responsibility of debt, you should not stay silent on the matter. If you want the judge to go with your request, there would be a need for you to request documentation in writing. 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. You do not just sit and ignore the summons and complaints because that would be a big mistake. 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. Moreover, you have to ensure that you respond within the set timeframe set by the summons; this might be up to 30 days from the date of the notice.
Pushing back on the burden of proof would be another thing to do. It would be good for the plaintiff to prove the amount you owe. The plaintiff would have another duty to show that you are the one 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.