Debt can be a dangerous game. If your bills are beginning to pile up out of control, and you have no way to pay them, you are probably starting to have more than an inkling of what this means. Whether you are renting or paying a mortgage, you may be worried about losing your home, and you may be worried about losing your car. Lenders, creditors, and debt collection agencies may have become a constant presence in your life as they are calling relentlessly and writing you too.
You may be experiencing an enormous sense of helplessness, along with the temptation to isolate yourself from others when you have no money to spend on the normal activities like going out to eat, shopping, going on vacations, and more. So far, much of that is the result of taking no action; for instance, for those who take action as soon as they become worried about delinquencies, protection from an experienced debt protection attorney can be extremely beneficial and fend off future repercussions. If you’ve received a summons and complaint, delivered to your door by a deputy or private process server, shoving it under the rug and forgetting about it is the worst thing you can do.
Once you have reached the point of being sued, without experience legal assistance, chances are you are looking forward to more negative repercussions. And although you could attempt to reply on your own, it is in your best interest to have the help of a lawyer, along with someone you can discuss your options with for the future. This could be a serious turning point in your financial future, and while it is not a positive experience to receive a summons and complaint, it is a wake-up call, and what you do from that point on can make or break your potential for getting back on track.
Without any action at all regarding the collections lawsuit, the court will usually grant a default judgment almost automatically. With no reply, and no presence on your part in court, the judge will most likely have no other recourse except to assume that you have forfeited your part in the case. With a default judgment granted against you, the creditor can make your life difficult, to say the least. You may suddenly find yourself with 25 percent of your paycheck garnished, and your employer under court order to do so. You may be at the checkout line at the grocery store or hardware store and find that your debit card is declined because the creditor has been imbued with the power to freeze your financial accounts. Even worse, local enforcement may show up at your door to seize your property and sell it.
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 firstname.lastname@example.org.