How to Deal with 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. Most people do not know what they can do in case this happens and this explains why they do not get the issue resolved. It would be easier for you to handle a debt lawsuit if you consider the tips below.
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. 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. 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.
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. 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.
Pushing back on the burden of proof would be another thing to do. There is no way for the case to go on if the plaintiff does not show 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. 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.