Loker Law

What Should I Do if I Was Sued By a Debt Collector?

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Close-up view of a calculator keypad highlighting the numbers and functional keys, often used in Domestic Identity Fraud cases in California.

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. Give us a call today to get started.

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

If you obtain a summons informing you that a debt collector has filed suit against you, do not ignore it. This is because by doing so, the collector may be able to obtain a default judgment against you. Unless you respond with a defense, the court will enter judgment in the collector’s favor. Because of this, the agency can obtain the amount you allegedly owe by embellishing your wages, putting a lien against your property, and freezing or garnishing the funds in your bank account. It cannot be stressed enough that you should never think that the debt collection agency is, or ever has been, working in good faith. It is well documented that they engage in a range of unethical actions such as so-called “sewer service,” wherein they claim to have served you when really they abandoned your summons. As a result, debt collection agencies abuse California’s default judgment system. Give our firm a call today to receive the assistance you need to ensure you are protecting your rights.

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

Keep in mind that you should not ever act on an impulse. You should provide access to your bank account or contact a third-party debt settlement service. One of the next steps you should take right away is to reach out to an Arroyo Grande consumer lawyer who can help you prepare 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

Do not experience this on your own. With the help of a qualified legal representative to fight for you and your future, you can feel more comfortable. At Loker Law, APC, our legal team is ready for your case.

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.

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