chapter 7 bankruptcy attorney near me

What to Do After Being Sued By a Debt Collector

If you are in hard financial times and are not repaying your debt, you might be get sued by a debt collector. This can usually happen when you are planning to file for chapter 7 or chapter 13 bankruptcy.

Usually, a lawsuit by the debt collector is many peoples’ first experience with the legal system, and that is why it can intimidate them easily.

In this article, we will discuss how are debt collector can sue you, and what can be the possible outcome of these lawsuits. Keep in mind that choosing your bankruptcy attorney in this process is very important.

Getting The Notice

When any debt collector files a lawsuit against you, you will get a notice from the court. The notice will include summons to the court and original complaint filed by the debt collector.

As far as the summons are concerned, they usually include the time when the lawsuit was filed, and the date at which the opposing party will automatically win the lawsuit if you do not provide the court with a response.

The complaint part of the notice will include all the charges laid against you by the debt collector. You will have to consult your lawyer in order to prepare a good answer to the notice you get at the very start of the lawsuit.

Additionally, you might also receive some pages filled with questions along with the notice. These pages require you to provide the answers to all the written questions. Consult your lawyer before providing answers to any of those questions.

Provide an Answer

You should collaborate with your bankruptcy lawyer to make a proper answer to the lawsuit, and provide it in the court to start the defense process. This is how you can start defending yourself in a lawsuit filed against you by a debt collector.