Are debt collectors suing you?
ZERO DOWN DEBT COLLECTION LAWSUIT ATTORNEYS
Facing a debt lawsuit? Not sure where to turn? Our team of 20+ debt defense attorneys give you the legal power to fight back! The time to respond to a debt lawsuit is limited, so call us today for a free consultation!
Our attorneys will help you respond before your deadline
How Guardian Helps You Beat This Debt Collection Lawsuit
We negotiate with creditors 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
Backed by America’s Most Trusted Financial Voice
Guardian Litigation Group is proud to be nationally endorsed by The Ramsey Show, partnering with a platform that has helped millions take control of their finances. Dave Ramsey’s mission to guide people toward financial stability aligns with our commitment to protect them when debt turns into legal action.
While Dave equips listeners with the knowledge to manage their money, we step in to defend their rights by settling debts, challenging unfair practices, and standing up for clients in court. Together, we help families regain control and build stronger financial futures.
we've helped change Thousands of lives
3 ways Guardian Can Handle Your Debt
Debt Resolution
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.
Debt Lawsuits
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.
FDCPA Claims
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.
Unsure what option is best for your case? Build your claim below and we'll find the best option for you.
How Guardian Litigation Group Provides Debt Collection Defense
Step 1: Free Debt Analysis & Consultation
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.
Step 2: Your Debt Defense Attorney Takes Over
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.
Step 3: Fighting for the Best Outcome
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.
What to do if you are sued by a creditor
Over 70% of debt collection lawsuits end in default judgments — not because the debt is valid, but because people fail to respond.
Read The Debt Summons Carefully – And Don't Ignore It
The clock starts ticking the moment you’re served. The summons from the credit card company tells you how long you have to respond — typically between 20 to 30 days depending on your state.
20 to 30 days to respond!
Read the debt collection lawsuit documents carefully and look for:
- The name of the credit card company 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.
Debt Collection Defense: 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 legal issue, please reach out to us to discuss your specific situation.
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.
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.
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.
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.
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.
Yes. Guardian Litigation Group represents clients in over 48 states. We connect you with experienced attorneys who know your state’s laws and how to use them in your favor.
Are debt collectors suing you?
ZERO DOWN DEBT COLLECTION LAWSUIT ATTORNEYS
Facing a debt lawsuit? Not sure where to turn? Our team of 20+ debt defense attorneys give you the legal power to fight back! The time to respond to a debt lawsuit is limited, so call us today for a free consultation!
Our attorneys will help you respond before your deadline
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