How to Deal with Debt Lawsuit
It is for a fact that no one would want to deal with mailings, lawsuits, or calls from debt collectors. 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. Some people, tend to think that ignoring a lawsuit would make debt disappear but this is not true. 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
It would be a good thing to work with debt lawsuit lawyers. If you have a debt that you are unable or unwilling to pay, you might think that hiring debt lawsuit lawyers would not be a good thing but this is not always the case. With a lawyer, you will be able to understand all your options when it comes to defending against a debt collection lawsuit.
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. Furthermore, failing to respond would mean that you admit the debt. Therefore, you should ensure that you ask for documentation in writing because that would be a way for the judge to back the request. The plaintiff should have a signed credit agreement; it should have your signature.
One of the things you will have to do is to respond to the debt lawsuit or claim. If you do not want to go wrong, you will have to respond to the lawsuit. 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. Taking more than is required to respond to the summons would not be a good idea and you should avoid it.
You should consider pushing back on burden of proof. As stated earlier, the plaintiff should prove that you owe a specific amount. Moreover, the plaintiff would have to show that you are responsible for the debt. 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.