Loker Law

What Are My Options if I Was Sued By a Debt Collector?

Schedule Your Free Consultation
A wooden gavel, now a collector's item, resting on its sound block with a blurred background of law books and scales of justice, symbolizing the practice of law and the legal system.

It is clear that no one likes being indebted, much less to a third-party debt collector. Now they have added insult to injury and sued you for nonpayment. If this has occurred to you, it is in your best interest to reach out to our firm today to speak with an experienced California debt collection defense lawyer to learn what you should know when you have been sued by a debt collector. Our legal team is on your side.

What steps should I take if a debt collector has filed suit?

In the event that you receive a summons notifying you that a debt collector has filed suit against you, do not neglect it. This is because by doing this, the collector may be able to get a default judgment against you. Unless you respond with a defense, the court will enter judgment in the collector’s favor. As a result, the agency can collect the amount you allegedly owe by garnishing your wages, placing a lien against your property, and freezing or garnishing the funds in your bank account. It cannot be emphasized enough that you should never think that the debt collection agency is, or ever has been, working in good faith. It is well established that they engage in a range of unethical actions such as so-called “sewer service,” wherein they assert to have served you when really they abandoned your summons. With this, debt collection agencies abuse California’s default judgment system. Reach out to our firm today to obtain the help you need to ensure you are not being taken advantage of.

How do you beat a debt collection lawsuit filed against you?

It is important to recognize that you should not ever act impulsively, accept liability, provide access to your bank account or contact a third-party debt settlement service. Instead, the first step you should take is immediately to reach out to an Arroyo Grande consumer lawyer who can help you formulate your response. After your initial answer, you should take the following steps:

  • Challenge the collection agency’s right to sue you
  • File a countersuit
  • Attempt to settle the debt
  • File for bankruptcy

You do not have to face this alone. Allow a qualified legal representative to fight for you and your future. At Loker Law, APC, our legal team is on your side. Give us a call today to get started. We are here for you no matter what you are facing.

Contact a California Consumer Lawyer

If you are facing any sort of consumer-related issue, such as one involving identity theft, a credit report dispute, or you need a debt collection defense attorney to fight for you, our firm is ready to help. Contact Loker Law, APC today to schedule your initial consultation with our experienced legal team.

Watch Some of Our Latest Videos