Creditors must play by the rules when they sue a consumer to collect a debt. There are defenses available even if you believe you owe a portion of the debt. Southeast Consumer Law is NOT a debt relief or high-volume bankruptcy firm. We are trial attorneys who stand up for you to ensure that creditors treat you fairly, respectfully, and according to law.
How do you know you’ve been sued?
You receive a slew of advertisements from bankruptcy attorneys who obtained a list of newly filed collection lawsuits from the clerk of the courts.
A local sheriff or marshal leaves a notice at your door requesting you pick up legal papers at their office.
A sheriff, marshal, or private process server delivers the lawsuit to you or someone at your home.
What to do if you are sued.
DON’T PANIC. Call us for a free consultation! Since 2009 our law firm has handled hundreds of debt collection lawsuits. We will review the circumstances of your case and discuss a defensive plan of action. We are better able to assist you if you have the suit papers available for quick reference when you call.
What NOT to do if you are sued.
DO NOT IGNORE THE LAWSUIT. You must file an “answer” to the suit within 30 days of service upon you or the court will enter a default judgment against you. The creditor will use the judgment to garnish your wages, your bank and investment accounts, and place a lien on your real property. The consequences of a default judgment will haunt you for many years.