How to Prevent Debt Lawsuit
You would agree with me that dealing with debt collectors’ calls, lawsuits, or mailings is not something anyone would want to deal with. Now that most people already know the type of language that debt collectors use, they tend to have so much fear in them; hence, the reason for not wanting to deal with that. No matter how strong the urge to ignore a lawsuit and threats is, you should never try ignoring it because you would end up in more trouble. It can be hard for you to resolve an issue especially if you do not know what to do. Here are some of the ways to help you handle a debt lawsuit
You should consider hiring debt lawsuit lawyers. If you have a debt that you are unable or unwilling to pay, you might think that hiring debt lawsuit lawyers would not be a good thing but this is not always the case. If you do not want to face confusion when it comes to defending against the lawsuit, you should ensure that you hire debt lawsuit lawyers.
You would avoid lawsuits if you challenge the legal rights of the company to file a debt lawsuit. What needs to happen is that the company following upon the matter has to prove it has the right to do the same. There is no way you can fail to respond to the claims and expect the judges to say that you do not admit responsibility for the same. Therefore, you should ensure that you ask for documentation in writing because that would be a way for the judge to back the request. The plaintiff should have a signed credit agreement; it should have your signature.
One of the things you will have to do is to respond to the debt lawsuit or claim. If you do not want to go wrong, you will have to respond to the lawsuit. What you need to understand is that failing to respond would mean that the collection agency would have a default judgment against you. Moreover, you have to ensure that you respond within the set timeframe set by the summons; this might be up to 30 days from the date of the notice.
Pushing back on the burden of proof would be another thing to do. It would be good for the plaintiff to prove the amount you owe. As long as the plaintiff does not show that you are responsible for the debt, it can be hard for the case to go on. Therefore, make sure that you enquire proof for the same because that would be a way to prevent a debt collection lawsuit; this is something that you need to do.