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. However, when you are served with a lawsuit and threats, you should never think of ignoring it. 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.
You should consider hiring 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. It can be hard for you to know the options you have and this explains why you need to hire a lawyer.
Challenging the legal rights of the company to sue would be another way to prevent 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. 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. With the plaintiff, he or she has to show a credit agreement; it should bear 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. You do not want the collection agency to get a default judgment against you and this explains why you should ensure that you respond to the same. 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. 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.