Although many other aspects of your life may be turning around, debts lurking in the background could still be keeping you up at night, and causing you wonder whether you should explore options like the motion to vacate.
Hundreds of thousands of lawsuits are filed each year. The process begins with a delinquent account. After you have been duly harassed by the creditor’s debt collection agency, they may move on to suing you if they have not received payment—or a settlement.
A Default Judgment May Have Been Granted Against You
If you do not respond to the summons and complaint served upon you regarding the creditor’s lawsuit, then a default judgment may be granted. This will affect your credit report and allows the creditor numerous options for collecting in the future, whether that is through garnishing wages, putting liens on property, levying savings and checking accounts, and more. While some debtors simply don’t have enough money or property to worry about, you may be quite concerned about being on the receiving end of such actions. If so, consult with an experienced judgment attorney who can help you reach your goals regarding eliminating or resolving old debt. You may be surprised to find that you can do so without filing for bankruptcy, and without paying the full amount upon settling.
The Motion to Vacate Allows Your Attorney to Litigate the Case
If you have a judgment that was already filed against you, your attorney may be able to help you with a motion to vacate (also known as the motion ‘to set aside’). To succeed with a motion to vacate, you will need the representation of an experienced law firm like Fitzgerald & Campbell, APLC. In attaining both a court order and hearing, your attorney will be able to litigate your case—and this means that you will have a fresh start in having your side heard.
There are numerous details that may help your case, to include improper service or lack of verification available about the debt. Once the motion has been filed, the creditor may also suddenly become very willing to negotiate an attractive settlement. With a skilled attorney on your side, you will find that you suddenly have options—and the promise of a better financial future ahead.
Contact Us for Help Now
If you are concerned about a pending creditor lawsuit or if a judgment has already been filed against you, contact us at Fitzgerald & Campbell, APLC. We know how to deal with debt collectors, and can win motions to vacate. Let us review your current situation and discuss your options with you. Our attorneys have decades of experience representing clients in all types of consumer rights matters and we are here to help you!