How to Deal with Debt Lawsuit
One thing you should note is that you would not find even a single person who loves dealing with mailings, lawsuits, and calls from debt collectors. Now that most people already know the type of language that debt collectors use, they tend to have so much fear in them; hence, the reason for not wanting to deal with that. No matter how strong the urge to ignore a lawsuit and threats is, you should never try ignoring it because you would end up in more trouble. It can be hard for you to resolve an issue especially if you do not know what to do. Here are some of the ways to help you handle a debt lawsuit
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. 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. What you need to note is that the company pursuing the debt lawsuit has to prove the right they have to pursue 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. 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. No one would love the idea of the debt collection agency having a default judgment against the claim and this clearly explains the need to respond to the claims and lawsuits. Moreover, you have to ensure that you respond within the set timeframe set by the summons; this might be up to 30 days from the date of the notice.
It would be a good thing to ensure that you push back on the proof burden. There is no way for the case to go on if the plaintiff does not show the amount you owe. Moreover, the plaintiff would have to show that you are responsible for the debt. 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.