Our attorneys will help you respond before your deadline
What you’re experiencing isn’t just about debt.
It’s about the shock of being served with a lawsuit.
I know exactly how overwhelming that feels. Someone shows up at your door with papers you don’t understand, and suddenly you’re imagining the worst.
The biggest mistake people make is ignoring those papers. Collectors count on that. Every day, they win cases by default simply because people don’t respond.
Guardian Litigation Group is here to change that. Today, our team of more than 25 attorneys defends consumers in 48 states, and we’ve helped tens of thousands of people protect their rights against aggressive collectors.
We know their tactics, and we know how to fight back.
John Greenway, Esq.
Managing Partner
Instead of lying awake dreading court, you’ll know an attorney has filed your response and is standing between you and the collector.
No more facing a judge or confusing paperwork on your own — you’ll have a lawyer in your state speaking for you every step of the way.
The lawsuit won’t dictate your future — with our defense, you can fight for reduced or dismissed debt and finally move forward with peace of mind.
Speak with our experienced debt collection defense team to review your debt lawsuit and see if you qualify for legal defense. We’ll explain your options and deadlines so you don’t have to figure it out alone.
An attorney in your state will draft and file your official Answer with the court — making sure collectors don’t win by default — and appear in court on your behalf to contest the lawsuit.
While your attorney defends you, our priority negotiators work directly with your creditors to reduce what you owe and pursue the most favorable settlement possible.
One-on-one legal support is the most effective way to resolve your debt quickly and affordably. Inquire below and we’ll discuss the best strategy to reduce what you owe and help you move forward.
If you’re being sued over a debt, fast legal action can protect you from default judgment. Contact us below and we’ll review your case and explain your best defense options.
You shouldn’t have to live with constant calls, threats, or intimidation. Reach out below and we’ll help you put an end to the harassment and explore your legal options for relief.
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 legal issue, please reach out to us to discuss your specific situation.
Debt collection defense in a lawsuit means responding directly to the case filed against you. The first step is filing an Answer with the court, which prevents a default judgment that would automatically favor the collector. From there, defenses may include challenging whether the collector has legal standing, whether the debt amount is accurate, or if the claim is barred by the statute of limitations. By raising these defenses in court, you force the collector to prove their case rather than winning automatically.
Yes — because debt collection defense is about more than just showing up in court. A lawyer understands which defenses apply to your case, such as whether the debt is too old to collect, whether the collector has legal standing, or if the balance is inflated with fees. Attorneys can also use the litigation process to negotiate settlements that significantly reduce what you owe. Having a lawyer ensures your Debt Collection Defense is strategic, not just reactive.
Whether it’s better to settle or go to court depends on the strength of your debt collection defense. In some cases, challenging the lawsuit may lead to dismissal if the collector cannot prove ownership of the debt or the amount owed. In other situations, settlement may be the better option, especially if it allows you to resolve the case for less than the balance claimed. A strong debt collection defense gives you leverage to decide from a position of strength rather than fear.
No. Owing money is not a crime. You cannot be arrested or jailed just for being unable to pay.
Important: If you ignore a legitimate lawsuit, the court may issue a judgment against you. This can lead to wage garnishment or other legal actions, but jail is not one of them.
Ignoring a debt lawsuit almost always results in a default judgment in favor of the collector. That judgment gives them the legal power to pursue wage garnishment, freeze bank accounts, or place liens on property. Without filing an answer or raising a debt collection defense, the court assumes the collector’s claims are valid. This means the outcome is decided against you automatically, no matter the strength of your potential defenses.
Our attorneys will help you respond before your deadline
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