Ways to Handle 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. 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. However, when you are served with a lawsuit and threats, you should never think of ignoring it. Most people do not know what they can do in case this happens and this explains why they do not get the issue resolved. 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. It can be hard for you to know the options you have and this explains why you need to hire a lawyer.
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. If you do not want to admit the responsibility of debt, you should not stay silent on the matter. Therefore, you should ensure that you ask for documentation in writing because that would be a way for the judge to back the request. With the plaintiff, he or she has to show a credit agreement; it should bear your signature.
You should not fail to respond to the lawsuit of debt claim. You do not just sit and ignore the summons and complaints because that would be a big mistake. 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.
Pushing back on the burden of proof would be another thing to do. 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.