How to Prevent 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. 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.
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. 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 you need to note is that the company pursuing the debt lawsuit has to prove the right they have to pursue 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.
One of the things you will have to do is to 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. Taking more than is required to respond to the summons would not be a good idea and you should avoid it.
You should consider pushing back on burden of proof. It would be good for the plaintiff to prove the amount you owe. As long as the plaintiff does not show that you are responsible for the debt, it can be hard for the case to go on. 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.