Ways to Handle Debt Lawsuit
It is for a fact that no one would want to deal with mailings, lawsuits, or calls from debt collectors. What you need to understand is that some of these collection agencies tend to use a language that sparks fear. 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. It would be easier for you to handle a debt lawsuit if you consider the tips below.
There is a need for you to note tha debt lawsuit lawyers would be helpful when faced with a debt lawsuit. 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. With a lawyer, you will be able to understand all your options when it comes to defending against a debt collection lawsuit.
You would avoid lawsuits if you challenge the legal rights of the company to file a debt lawsuit. What you need to note is that the company pursuing the debt lawsuit has to prove the right they have to pursue the same. Furthermore, failing to respond would mean that you admit the debt. 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.
You should ensure that you respond to the debt lawsuit or claim. If you do not want to go wrong, you will have to respond to the lawsuit. 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.
It would be a good thing to ensure that you push back on the proof burden. As stated earlier, the plaintiff should prove that you owe a specific amount. 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. 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.