Debt Defense Attorney

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If you’re sued by a debt collector, don’t ignore the lawsuit. Respond to the summons by filing a written response with the court. You should also gather any documents that may show the debt is invalid or already paid. If you fail to respond to the lawsuit, the court may issue a default judgment against… [Read More]

Common defenses include: The debt is not yours. The amount is incorrect. The debt is time-barred (past the statute of limitations). The creditor didn’t follow proper legal procedures. You were not properly served with the lawsuit.

A default judgment occurs when you fail to respond to a lawsuit. In this case, the court assumes the debt is valid and may allow the creditor to collect the amount claimed. This can result in wage garnishments or bank account levies without further notice.

A bank levy is a legal action taken by a creditor to freeze and seize funds directly from your bank account to satisfy an outstanding debt. This typically occurs after a creditor wins a judgment against you in court, allowing them to legally access the funds in your account. Once a bank levy is in… [Read More]

Wage garnishment is a legal process in which a creditor, after obtaining a court judgment, directs your employer to withhold a portion of your paycheck to repay a debt. The amount that can be garnished is limited by both federal and state laws, usually allowing creditors to take only a percentage of your disposable income…. [Read More]

Your response should include any defenses you want to raise. You can argue that the debt is invalid, the amount is incorrect, or that the debt has been paid. You should also provide any relevant documentation, such as proof of payment. Respond to the lawsuit and follow the advice of the California Courts Self-Help Guide… [Read More]

The statute of limitations varies by state and by the type of debt. Typically, the range is between three to six years. Once the statute of limitations has passed, the creditor can no longer sue you for the debt. However, if you make a payment or acknowledge the debt, the statute may restart.

If you are being sued for a debt and you do not owe it, the debt has been paid or you dispute it then contact us for a free consultation. We help people who are facing debt collection lawsuits. We have more than two decades of experience helping and representing people who are being sued… [Read More]