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. Some people, tend to think that ignoring a lawsuit would make debt disappear but this is not true. 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.
There is a need for you to note tha debt lawsuit lawyers would be helpful when faced with a debt lawsuit. 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. What you need to note is that the plaintiff should show the judge a credit agreement that you have signed.
You should not fail to respond to the lawsuit of debt 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. 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.