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My Credit is Already Ruined—Why Worry About Collections Lawsuits Now?

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Access to your credit report has become much more available today. And while most of us stick to an annual review of our scores via the three major reporting agencies, Experian, Equifax, and TransUnion, other companies out there will keep you continually updated on a point-by-point basis. Keeping track of your credit score can be good no matter what, but if you’ve been under financial duress and your report is reflecting that, you may be tired of hearing the bad news. The solution is start re-building, but this may be challenging if you are experiencing issues such as an illness, recuperation from an accident, or you may have lost your job, or gotten a divorce. It can be hard to pick yourself back up without sufficient income behind you to do so.

Continuing delinquencies may lead to collections lawsuits—and as easy as it is to hang up on a debt collector or ignore the continual onslaught of mail—this is legal action that should not be ignored. Even if your credit seems so ruined that it’s just time to give up, a collections lawsuit filed against you brings other even more serious issues, and the best solution is to act quickly with the help of a skilled collections lawsuit attorney from a firm like Fitzgerald & Campbell, APLC.

You may have already been served with a summons and complaint from one of the major credit-card companies or debt collection agencies. All the details of the lawsuit will be outlined in the documents you received, including the timeframe for responding, usually 20 to 30 days. Creating a response is challenging unless you have extensive legal experience, so this is the time seek help from and work with your attorney not only in filing the response but discussing your options regarding the lawsuit and a plan for debt relief overall.

Although you may be aware you owe the debt leading to the lawsuit, a response gives you the very important opportunity to avoid having a default judgment granted against you; in fact, once your attorney requests that the entity suing you provides proof they have standing to sue you, along with all the other documentation and accounting supporting the account, the creditor or debt collections agency may become quick to walk way or begin negotiating terms for a discounted payoff of the debt. Achieving resolution at this critical point allows you to avoid all the nasty repercussions of a judgment—from wage garnishing to levying of bank accounts and property.

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

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