I am being sued, what should I do?

Most Debt Negotiation companies will try to avoid this question whenever possible but one thing is for sure, debt collectors are actively filing suits to collect debts. Large collection firms file hundreds of collection lawsuits per day. A lawsuit is often the final effort in the creditor's attempt to collect a debt. If the harassing and often illegal collection calls were not enough, once a person is sued the reality of the situation is realized.

However, not all hope is lost. Before you start feeling sorry for the credit card company, remember, these are the same guys that teased you with an interest rate of 6.9% and when you were one day late on a payment raised the interest rate to 24.9%.

The law firms do not want to litigate a lawsuit, at least 90% of summons's filed by collection lawyers are ignored resulting in a default judgment. They file hundreds of lawsuits every day and they are betting that you will not file an answer. They make/collect more money through default judgments, often abandoning cases that are being defended.

We are not lawyers and cannot defend you when you get sued however, we do commit to helping you through the court process by providing education, training material and templates we have found online for you to defend and prevail against lawsuits. We have also included links to educational videos that will help better understand and more importantly encourage the highest level of confidence that you should not be intimidated by a lawsuit. In our experience, filing an answer to the court summons provides you the time needed to accumulate as much as possible towards a settlement. In 2010, our average settlement on accounts with lawsuits was 45% (based off debt amount at time of settlement, not including fees).

If you are enrolled with us and receive a summons you must fax the documents to 561-634-2067 and begin to review the videos below. A customer service agent will contact you within 24 to discuss next steps.

Former consumer rights attorney and author, Kenneth H. Gibert was kind enough to lend some of his video series on what to do if you are sued by a debt collector. The knowledge he shares with us may be invaluable to you in the event you find yourself with a lawsuit! He shows you everything you need to know to represent yourself in court! Kenneth H. Gibert practiced law for almost twenty years in St. Louis, Missouri before shifting his efforts to helping debtors represent themselves when being sued by debt collectors. You can find many excellent and inexpensive resources on this subject at his website: www.YourLegalLegUp.com

After watching his videos, please visit his website - www.YourLegalLegUp.com

The following videos are here with the permission of their author, former attorney Kenneth H. Gilbert:

Sued for Debt--Why Your Chances to Win Are So Good

Sued on a Debt--What to Do If You're Being Sued

Bankruptcy May Not Be Your Best Option When Debts Pile Up

How to Answer the Petition when Sued for Debt

Is It Hard?


Pro se or Self-Representation in Debt Litigation

Can Debt Collectors Garnish My Social Security Benefits?

General and Affirmative Defenses when You're Sued for Debt

The information contained in this web site is provided as a service to the Internet community, and does not constitute legal advice. We are NOT lawyers. The information here is for educational purposes and was borrowed with the permission of its author. We do not offer you legal advice nor do we solicit or accept any form of compensation for the information on this web page. Before contemplating any legal action, you should always consult an attorney.