Collection Agency Lawsuits
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If you owe money to a credit card company, financial institution, or medical provider, and you fall behind on making the required payments, your creditor may eventually assign your debt to a collection agency. In these cases, your creditor will still own the debt – but you will likely stop hearing directly from the creditor. Instead, your friendly (or not-so-friendly) payment reminders will come from the collection agency acting on behalf of your creditor.
Acting as an agent of your creditor, the collector may eventually sue you to recoup unpaid debts. Notice of a lawsuit from a collection agency can be an anxiety-inducing experience. Because of this, it’s best to seek guidance from a professional.
What could happen if you do nothing after a collection agency law firm sues you?
Each court will set a timeframe – typically 20 or 30 days – in which to respond to a lawsuit. If you don’t, the collector will likely ask the court to enter a default judgement against you. If the judge grants the collector’s request, you will probably not have an opportunity to appear in court and defend yourself.
Once a collector wins a default judgment against you, it can have many different options to satisfy that judgment. Although the rules that govern what (and how much) a collector can take vary by state, generally speaking collectors may attempt to:
- Take money out of your bank account
- Garnish your wages
- Put a lien on your home or other assets
What to do if you get sued by a collection agency law firm
As intimidating as those official legal papers can make you feel, resist the urge to bury your head in the sand. The lawsuit and the collections agency won’t simply disappear if you ignore them.
No matter the specifics of your situation, it’s best to seek the help, guidance, expertise, and support of a professional to help you. Any time you are sued, it is important that you consider consulting with an attorney to discuss your legal options. You could also hire a debt relief professional with experience in resolving debt collection efforts by creditors. Possible remedies to collection agency lawsuits include settling the debt and/or hiring an attorney to defend you.
What are some of the common collection agencies that file lawsuits?
Hunt and Henriques
Zwicker and Associates
Patenaude & Felix
Harris & Zide
The Moore Law Group
Suttell Hammer & White
Mandarich Law Group
Winn Law Group
Gurstel Law Firm
D. Scott Carruthers
How it works
Creditor Files Suit
You get Served
You Hire Professional Help
Debt is Resolved
Why Consider CountryWide Debt Relief?
With 30+ years of combined experience in helping people find a solution to getting out of debt, CountryWide Debt Relief can help you find the Best Debt Consolidation Option. Here are a few reasons why you should consider CountryWide Debt Relief:
See What Our Customers Say
“I originally heard about Countrywide Debt Relief via the pink flyer that I received at my home earlier this year. I responded to the flyer and I am very glad that I did. Prior to working with Countrywide, our debt situation was completely out of control. The pressure exerted by creditors on our family and the associated financial and emotional stress created a really difficult situation. The kind and understanding people at Countrywide helped us come up with a payment plan that would be sustainable and ultimately enable us to cope with the debt while dealing in a fair and straightforward manner to those to whom we owed money. They have been dealing directly with our creditors relieving the stress and thereby enabling us to resume our lives, and livelihoods, creating a real path out of financial difficulties. It is difficult in writing how the professionalism and outstanding services at Countrywide has enabled us to reduce stress, regain financial security while achieving a debt free life. This has had broad and positive implications for the happiness and opportunity my family has now regained. I wanted to take this opportunity to sincerely thank you and your team for the work that you do to help families such as ours become debt free and live happier and more fulfilling lives.”
Barry G.
West Hills, CA
Proven Results
Case Study #21051 – Client from West Hills, CA saved $265,163 by enrolling in CountryWide’s Debt Consolidation Program
THE PROBLEM:
Client #21051 needed debt consolidation help because they were sued by a creditor after losing their business and falling behind on paying their bills. The client did not want to file for Bankruptcy to stop the lawsuit from the creditor, so they looked for other options.
THE SOLUTION:
Client # 21051 hired CountryWide Debt Relief to help settle and pay off their past due debts. They were able to pay off $86,677 in total debt including the creditors that filed a collection lawsuit. Making just minimum payments on this much debt, the client would have had to pay back an estimated $295,079 over 813 months of minimum payments. By utilizing the Debt Consolidation program from CWDR, they paid off their debts in 25 payments for a total of $29,916 saving $265,163.
*Do nothing option assumes making only the minimum payments on the debts each month with APR of 17% and minimum payment of 2% of the outstanding balance each month.
Source: creditcards.com/calculators/minimum-payment.php.
Savings illustrated is the difference between the total payments to CWDR and Total payments if just the MINIMUM monthly payments were being paid on the debts.