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Pre-Emptive Action for Avoiding Default or Court Judgments

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Do you dream of being out of debt, saying goodbye to all those weird numbers dialing your cell phone and the thin white envelopes arriving in the mail constantly? While that is probably a goal for all too many consumers in the US, debt just continues to grow. And although some may opine that the economy is in a good place right now and all the spending just propels it to further robustness, far too many borrowers are delinquent on accounts, headed into default, or being met at their front doors by process servers with summons and complaints that are part of lawsuit documents—hundreds of thousands of which are filed each year.

Beyond the collection lawsuit is the default judgment. Many of these court actions could be prevented simply by filing a response to a collections lawsuit, as outlined in the documents. Usually, upon being served, you will have 20 to 30 days to respond, and with the help of an experienced collection lawsuit attorney, you may see that the creditor or debt collection company is either ready to settle quickly, or doesn’t want any part of a lawsuit with a defendant who is willing to fight!

Fending off the judgment is important, and many debtors don’t realize just how much that is so until they are feeling the consequences of a creditor who has gone from the status of having a non-secured debt to secured. This grants them the right to begin making your life very uncomfortable by taking a cut of your paycheck (not to mention the embarrassment of your boss and accounting department at work knowing), freezing your bank accounts (an awkward surprise at the grocery store checkout), or seizing your property (downright depressing). A skilled judgment attorney from a firm like Fitzgerald & Campbell, APLC will be able to helping you in filing a motion to vacate and then fighting the creditor—or helping you to negotiate a better to amount for paying off the debt and having other actions cease.

Prior to the collection lawsuit, you may consider other options such as debt settlement, allowing your debt settlement attorney to take over all contact with the creditor. Most likely, they can arrive at a lump sum figure that is well below the original amount owed. The problem with debt settlement for many is that cash is in small supply and a payout may not be possible; in fact, there may not be enough income to pay anyone—and in that case, Chapter 7 bankruptcy could be the best option.

If you feel like your own credit-card debt is getting out of control and you need advice, contact Fitzgerald & Campbell, APLC, a law firm with decades of experience in helping clients to explore their financial options. Let us review your case and help you go from there. We are here to help! Call us today for a free consultation at (844) 431-3851, or email us at

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