The Essentials of – Breaking Down the Basics
How to Prevent Debt Lawsuit
One thing you should note is that you would not find even a single person who loves dealing with mailings, lawsuits, and calls from debt collectors. The fact that most debt collection companies use a language that instills fear in people explains why no one would love to deal with them. Some people, tend to think that ignoring a lawsuit would make debt disappear but this is not true. The fact that you do not have much knowledge of debt lawsuits and threats explains why they think that ignoring such would be the solution. Here are some of the ways to help you handle a debt lawsuit
You should consider hiring debt lawsuit lawyers. Even though some people might feel that it would be unnecessary and costly to hire a lawyer, the truth is that it would be a good idea. 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. There is no way for the process to continue if the company pursuing the debt lawsuit does not prove the right to do the same. If you do not want to admit the responsibility of debt, you should not stay silent on the matter. If you want the judge to go with your request, there would be a need for you to request documentation in writing. What you need to note is that the plaintiff should show the judge a credit agreement that you have signed.
You should ensure that you respond to the debt lawsuit or claim. It is for a fact that most people do not respond to the summons and complaints they get and this is where they go wrong. No one would love the idea of the debt collection agency having a default judgment against the claim and this clearly explains the need to respond to the claims and lawsuits. Some people wait for too long to respond to the claims but this should not be the case; what you should know is that the summons have a date and you should not take more than 30 days to respond.
You should consider pushing back on burden of proof. As stated earlier, the plaintiff should prove that you owe a specific amount. Moreover, the plaintiff would have to show that you are responsible for the debt. There is a need for anyone faced with a debt collection lawsuit to ensure that he or she enquires about proof that he or she is responsible for the debt, and the amount he or she owes; doing this would be a way to prevent debt collection lawsuit.