ZERO-DOWN DEBT Collection LAWSUIT ATTORNEYS
ZERO-DOWN DEBT COLLECTION LAWSUIT ATTORNEYS
Collection agency suing you? Not sure where to turn? Our team of 20+ debt collection defense attorneys give you the legal power to fight back! The time to respond to a debt collect lawsuit is limited, so call us today for a free consultation!
- We negotiate with debt collectors so you don’t have to
- No upfront cost or fees
- We can put a plan in place to resolve ALL of your debt
- Pay off your debt for less than what you owe
THOUSANDS OF HAPPY CLIENTS
Guardian has made my life easier. Everything costs so much more these days and debt creeps up on you. Making montlhy payments to different companies was impossible. Guardian negotiated a settlement for me and now I make one monthly payment. I saved so much money.
Date of experience: August 29, 2024
This has been a great experience so far, and was super skeptical for a LONG time prior to starting this journey. Guardian has been exepectional every step of the way and not a single person has made me feel uneasy about this process. I highly recommend Guardian to any in a big debt situation.
Date of experience: October 09, 2024
I wish it could be faster and more accounts taken care of but I'm grateful one little one is gone!
Date of experience: October 23, 2024
The help is amazing! Guardian Litigation Group staff have been so helpful and supportive. I was initially very anxious about the plan and program, but I'm pleased about how far it has progressed in managing my debt in such a short time, and it's all due to Guardian! They have made the process effortless for me. I highly recommend it!!
Date of experience: March 22, 2024
I don't think that I would have come this far with the company I had before GUARDIAN Litigation. I knew it wasn't going to be easy, but I stuck with them and now I'm almost finish. My credit score has imporved and I'm on my way. Thank you
Date of experience: October 21, 2024
I was skeptical at first, but this company does work well with you and works to get your debts settled. I have a lot of student loans that defaulted because of ignorance on my part, but GLG has stepped in and is willing to help. We reached my first settlement! I will comeback and update my rating as the program continues.
Date of experience: October 21, 2024
They have been a godsend to me and my debt situation! They are presistent, knowledgeable, and thorough! They keep me informed about any new settlements and always converse with me before making any settlement offers.
Date of experience: January 01, 2024
The team at Guardian are great communicatiors and are great quick to answer questions and emails. I've been on the program sicne July 2024 and just got my second (of 7 debts) settled. I am grateful for their help, encouragement, and consistency.
Date of experience: November 12, 2024
Guardian is taking care of my problems with my credit card companies so that soon I can be debt free thank you.
Date of experience: November 20, 2024
I am in awe and almost in shock at how amazing Guardian has been in restructuring decreasing and settling my debs in record breaking time. Thank you!
Date of experience: November 21, 2024
I am so grateful for this company, I can finally breathe again. They have so seamlessly handled each and every debt. The contact is great and I was informed at each and every turn of a solved debt.
Date of experience: November 24, 2024
HOW GUARDIAN'S DEBT DEFENSE PROGRAM WORKS
Free Debt Analysis & Consultation
Speak with our experienced debt resolution team to see if you qualify
Response to the Debt Collection Lawsuit
Your Attorney will draft and file an Answer on your behalf with the court
We Appear in Court for You
Guardian handles all legal proceedings and will represent you in court to contest the lawsuit
Settling Your Debt with Your Creditors
Priority negotiators work with your creditors to reach a favorable settlement
WHAT TO DO IF YOU ARE SUED BY A CREDITOR
Read The Summons Carefully – And Don't Ignore It
The clock starts ticking the moment you’re served. The summons for debt collection tells you how long you have to respond — typically between 20 to 30 days depending on your state.
Read the debt collection lawsuit documents carefully and look for:
- The name of the debt collector or debt buyer suing you
- The total amount they claim you owe
- The court where the case was filed
- The deadline to file your response (also called an “Answer”)
Schedule Your Free Debt Analysis & Consultation
Only 10% of consumers sued for a debt have legal representation despite data showing you are significantly more likely to reach settlements with an attorney.
People are losing credit card lawsuits they might have been able to fight or dismiss — simply because they didn’t know what to do or waited too long to act.
Don't Become Another Statistic
One call can take your stress away
We are a Law Firm Providing Debt Settling Services
We provide legal services for those facing a debt collection lawsuit. With every case, we are committed to resolving your debts as part of Guardian’s Debt Defense Program.
Debt consolidation involves taking out a new loan to pay off your existing debts. It restructures your debt but doesn’t reduce the total amount you owe. We focus on negotiating a reduction in your debt, not refinancing it.
Credit repair companies attempt to improve your credit score by disputing negative items on your report. This doesn’t resolve the underlying debt. We focus on settling your debt, which may impact your credit in the short term but leads to long-term financial stability.
Government debt relief programs operate under specific regulations and eligibility criteria. We are a private law firm offering tailored legal services to negotiate and settle your debts. Accordion Content
Debt validation involves requesting verification from creditors that a debt is valid. While useful, it doesn’t reduce or resolve the debt. Our service focuses on negotiating with creditors to lower the amount you owe.
Debt management programs create repayment plans that typically reduce interest rates but not the principal amount. We aim to reduce the principal balance you owe, providing a quicker path to financial freedom.
Our goal is to help you get out of debt
Our goal is to help you get out of debt
Ready to get started today?
Ready to get relief today?
- We negotiate with debt collectors so you don’t have to
- No upfront cost or fees - if we don’t perform, we don’t get paid
- We can put a plan in place to resolve all of your debt
- Pay off your debt for less than what you owe
- We will not only file an answer, we will appear in court on your behalf
- Reduction in creditor calls and debt collection efforts
- More than a "Self-Help" form online, WE ARE A LAW FIRM
No obligation required
frequently asked questions
Disclaimer: This information is for educational purposes only and should not be taken as legal advice. Every case is different. If you’re facing a debt lawsuit, please reach out to us to discuss your specific situation.
Can a collection agency sue me?
Yes, and it happens more often than most people think. If you’ve fallen behind on payments, a collection agency can take you to court to recover the debt. But here’s what many don’t realize: a large number of these lawsuits are filed with incomplete or inaccurate information. That’s where legal help can make all the difference.
I just got served papers from a debt collector. What does that mean?
It means a lawsuit has officially been filed, and now you’re on a deadline. In most states, you have between 20 and 30 days to respond. If you don’t, the court can issue a default judgment against you. Acting quickly is critical.
Do I need a lawyer for a debt collector lawsuit?
If you want a fair shot at protecting yourself, yes. The legal process is complicated, and collectors often count on people being too overwhelmed to fight back.
Only 10% of consumers sued for a debt have legal representation—despite data showing you’re far more likely to reach a favorable settlement when you have an attorney on your side.
how to respond to debt collector lawsuit
First, don’t ignore it—that’s the biggest mistake people make. Once you’re served, the court sets a strict deadline (usually 20 to 30 days) to file a formal response called an Answer. This isn’t a casual reply; it’s a legal document that tells the court where you stand and whether you dispute the debt.
Here’s what to do:
Read the complaint carefully. Check for errors or unfamiliar account details.
Gather your records. Any communication, payments, or statements can be useful.
File your Answer. It must be typed, follow court formatting rules, and be submitted on time.
Send a copy to the opposing party. The court won’t do this for you.
This process is technical by design. It’s meant to trip people up—which is why getting legal help early can change the outcome entirely. Even if you think you owe the debt, there may be legal defenses or opportunities to settle for less.
What services does a debt collection defense attorney provide?
As experienced law firm with over 20 debt defense attorneys, we provide:
- Lawsuit Defense – We fight credit card lawsuits and demand proper documentation from creditors.
- Debt Settlement Negotiation – We negotiate directly with creditors to reduce what you owe.
- Protection Against Creditor Harassment – We enforce your rights under the Fair Debt Collection Practices Act (FDCPA).
- Legal Representation in Court – We defend you in court proceedings to prevent judgments, garnishments, or bank levies.
Are there debt collection attorneys near me?
Yes. Guardian Litigation Group represents clients in over 42 states. We connect you with experienced attorneys who know your state’s laws and how to use them in your favor.
Can a collection agency sue me?
Yes, and it happens more often than most people think. If you’ve fallen behind on payments, a collection agency can take you to court to recover the debt. But here’s what many don’t realize: a large number of these lawsuits are filed with incomplete or inaccurate information. That’s where legal help can make all the difference.
I just got served papers from a debt collector. What does that mean?
It means a lawsuit has officially been filed, and now you’re on a deadline. In most states, you have between 20 and 30 days to respond. If you don’t, the court can issue a default judgment against you. Acting quickly is critical.
Do I need a lawyer for a debt collector lawsuit?
If you want a fair shot at protecting yourself, yes. The legal process is complicated, and collectors often count on people being too overwhelmed to fight back.
Only 10% of consumers sued for a debt have legal representation, despite data showing you’re far more likely to reach a favorable settlement when you have an attorney on your side.
How to respond to a debt collector lawsuit
First, don’t ignore it—that’s the biggest mistake people make. Once you’re served, the court sets a strict deadline (usually 20 to 30 days) to file a formal response called an Answer. This isn’t a casual reply; it’s a legal document that tells the court where you stand and whether you dispute the debt.
Here’s what to do:
Read the complaint carefully. Check for errors or unfamiliar account details.
Gather your records. Any communication, payments, or statements can be useful.
File your Answer. It must be typed, follow court formatting rules, and be submitted on time.
Send a copy to the opposing party. The court won’t do this for you.
This process is technical by design. It’s meant to trip people up—which is why getting legal help early can change the outcome entirely. Even if you think you owe the debt, there may be legal defenses or opportunities to settle for less.
- Win a default judgment against you (resulting in wage garnishment or bank levies).
- Intimidate you into paying more than you legally owe.
- Overlook legal defenses that could reduce or dismiss the lawsuit.
What services does a debt collection defense attorney provide?
As experienced law firm with over 20 debt defense attorneys, we provide:
- Lawsuit Defense – We fight credit card lawsuits and demand proper documentation from creditors.
- Debt Settlement Negotiation – We negotiate directly with creditors to reduce what you owe.
- Protection Against Creditor Harassment – We enforce your rights under the Fair Debt Collection Practices Act (FDCPA).
- Legal Representation in Court – We defend you in court proceedings to prevent judgments, garnishments, or bank levies.
Are there debt collection attorneys near me?
A debt defense attorney—like the team at Guardian Litigation Group—focuses on credit card lawsuit defense, debt negotiation, and consumer protection laws. We help individuals fight back against their creditors and settle their debts for less than they owe.
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