Are you being sued by a debt collector? We know. It is scary, you are confused, you are angry, and it is not fair. But, first things first: you did nothing wrong. Everybody undertakes debt. We all use our credit cards, and we all plan and expect to pay back the debt. What happened after that was often beyond our control and not our fault. Maybe there was a job loss, maybe there was an emergency, or the pandemic spread around the world, or the economy tanked, etc. We did the best we could. And, now, this? You feel like you’re being prosecuted. But, in most cases, understand that you did nothing wrong.
Next thing to understand: you are not going to jail and if you stand for your rights, you cannot be victimized, punished, penalized or unjustly persecuted. The debt collection litigation defense lawyers at Guardian Litigation Group understand — we get it — and we are not going to let any of those things happen to you. Among other things, “standing for your rights” means consulting with and hiring experienced debt collection litigation defense attorneys. Of course, you do not have to hire us, but you need to hire someone to stand with you as an ally, to help you understand what is happening, to clarify your options, and to guide you to your best and optimal path to permanent problem resolution. This is not a task that can easily be done without legal expertise.
The third thing to understand is that none of this is personal to you. You are caught up in a system that operates almost automatically in a way. Original creditors try to collect debts, succeed with the “easy” debts, and then sell the remainder of debt that is more difficult to collect. The debt buyers have bought the debt for much less than face value. Thus, they can spend more time and money trying to collect on the debt and also negotiate a resolution of the debt for much less than face value. When you end up being sued by a debt collection company, your debt has been caught up in this system. Nothing about this is personal to you.
With all that being said, you cannot ignore the lawsuit. Whatever the debt problem, we stand together and fix the problem permanently. Ignoring the lawsuit never fixes the problem and only makes things worse and worse. Many times, if you are being sued, the debt is about to expire and be totally non-collectible. Under the laws of most States, creditors have strict deadlines by which they have to file lawsuits to collect on past-due debts. Miss the deadline and the debtor is free and clear forever. Ignoring the lawsuit can allow a creditor to obtain a default judgment which, in effect, refreshes the debt and gives the creditor many more years to collect on the debt. That’s not a good solution. It’s better to stand strong and defend yourself with the help of trained and experienced debt collection lawsuit defense attorneys.
Contact Experienced Debt Collection Defense Attorneys
For more information, contact the debtor’s rights and debt collection defense attorneys at Guardian Litigation Group, LLP We are here to help if you are being sued for a debt you owe. Our compassionate lawyers will listen to your concerns and advise you throughout the debt collection lawsuit process. Debt collection lawsuits can have lasting repercussions, so please don’t hesitate to contact our legal team so we can help you fight back. Our job is to vigorously defend your rights
