Skip to Content

Creditors May Sue Even Though You Have No Money to Pay Them

man looking in his wallet

Falling into serious debt can affect you in many ways—and especially if it accrued over a long period of time. This may lead you into coping not only with serious financial problems but also mental and physical stress that can bring on a range of different emotions, cause loss of sleep, depression, and other issues. Unfortunately, creditors and debt collection agencies are all about seeing the bills paid in the end. While you may be able to stave them off temporarily, if you have been stricken with an illness or an accident or lost your job, their goal is to get their money, and as quickly as possible.

Consulting with an experienced law firm like Fitzgerald & Campbell, APLC as soon as possible allows you to examine your options—whether settling your debts or filing for bankruptcy might be the best choice. In the meantime, if you lack the income to pay off the debts, you may have started ignoring the ongoing calls and threatening letters. While they rarely go away, it is true that they could go on indefinitely, marring your credit and keeping you from getting other loans. The creditor or debt collections agency may also decide to sue you for the debt. This is not uncommon, and thousands of other consumers are served with summons and complaints each year. Credit card corporations and debt collections agencies are used to being able to file lawsuits with little opposition as most consumers being sued do not respond in time, or at all, and default judgments are granted against them quickly.

Some companies have a formula regarding whether they sue. This could depend on the amount of the debt owed or your supposed income or availability of assets. If it is not worth their while, you may find that their threats to sue you are never followed through on; however, it you do find yourself with a process server at the door handing you legal documents, it is time to pay attention and act quickly with the help of your collections lawsuit attorney. This could be the key to avoid having a default or court judgment granted against you. Although you may have been able to avoid major repercussions—aside from the damage to your credit—up until now, a judgment gives the creditor much greater power to take a portion of your paycheck, your assets, and even levy your bank accounts until the debt is satisfied.

Speak with an attorney from Fitzgerald & Campbell, APLC as soon as possible to examine your options. Our attorneys have decades of experience in serving clients as they navigate through challenging financial situations, to include student loan issues, bankruptcy, and other debt management processes. We are here to help! Click here to schedule a free 30-minute consultation, call us at (844) 431-3851, or email us at

Share To: