Debt Collection Lawsuits

Fighting Debt Collection Lawsuits from Creditors in Georgia

Being named as a defendant in a Georgia debt lawsuit is serious. It’s very important to understand what strategies you can use to deal with the legal action and regain your financial footing.

If you’ve never faced legal problems before, you’re probably feeling intimated, confused and uncertain as to the next best step. At Berry & Associates, we help clients like you every day battle back against credit card lawsuits, wage garnishments, foreclosure and other debt related trouble. We have the resources, knowledge, and experience to help you fight the lawsuit or stop it from proceeding any further and protect your property.

Who Is Suing You?

Credit card companies and lenders can sue debtors for money owed. In some cases, entities known as “debt buyers” also sue. This is possible because many original creditors sell the right to collect debts owed to them, in much the same way that businesses sell stock. This is a legal practice, but it presents a serious challenge for debtors since the debt owed can trade hands multiple times. It’s also common for debt buyers to add on interest and collection fees, making your amount “owed” much higher than the original debt.

Whether your original creditor is suing you, or a third party has brought the legal action, the most important thing to remember is DON’T IGNORE THE LAWSUIT. This can lead to your property eventually being taken from you when you least expect it!

Summons and Complaint

In the initial paperwork served to you by the plaintiff (e.g. the credit card company or debt buyer), you likely received a summons, which tells you when and where you must appear in court, as well as a complaint, which explains why you are being sued and for how much money.

No matter what you do, don’t ignore the lawsuit. You must either respond within the time allowed by the summons and complaint, or take other action to stop or delay the lawsuit from moving to the next stage. (e.g. filing bankruptcy) Otherwise, the plaintiff could ask for what’s known as a default judgment against you. That means the court orders you to pay the debt, and you also may be on the hook for court costs, fees and interest. Once a creditor has a default judgment, they can seize your property.

Next Steps for Your Georgia Debt Collection Lawsuit

The cost of ignoring a lawsuit – or inadequately handling it – can be very harmful. Lawsuits can ruin your credit, saddle you with yet more debt, and make it more difficult for you to get a fresh financial start. At Berry & Associates, our bankruptcy attorneys are pros at fighting lawsuits and stopping collection efforts, including lawsuits filed for delinquent bills and unpaid loans. Call our office today at (877) 815-0306 or email us at to schedule a free, confidential evaluation of your case. We can restore your peace of mind and fight for a positive outcome for you and your family. We serve all of Northern Georgia, including Atlanta, Rome, Newnan and Gainesville.