Skip to Content

I Never Received Any Bills, But Now I Am Being Sued!

woman stressed holding document

Bills bills bills! They may make the world of the debt collector and the creditor go around, but assuredly not yours. Chances are, you feel the same way most indebted consumers do: the only thing that could make life run more smoothly would be an increase in income—or just having an income at all if you have lost your job or had your hours or wages cut recently. This may not be happening anytime soon though, leaving you to consider your best options, including filing for bankruptcy or negotiating with creditors.

Sometimes however, the debt collection process can be error-ridden; in fact, these companies are known for being careless, disorganized, and often behind the times regarding account information. There is also the issue of mail, and all the many details that can go wrong with having bills mailed to the proper address or even just mailing bills out from one listed address to another. Wires may get so crossed that consumers do not receive bills, or there may be outright errors regarding what has been charged.

If you are currently being sued over a debt you hardly remember, or may even deny incurring it altogether, the experience may be extremely frustrating. Receiving a summons and complaint is serious legal business, obviously, and you will have to act on it—whether you owe the money or not. Your best strategy is to consult with a skilled collections lawsuit attorney to file a response and go on to defend your case in court. Obviously if you never received any bills you have a good case!

A collections lawsuit that has already come and gone—with a default judgment in its place—is more challenging to deal with but there may still be time to avoid having wages garnished, properties levied, and checking accounts frozen, if that has not already begun occurring. In filing a motion to vacate, your attorney can let the court know why you were unable to respond to the original collections lawsuit and then go on to fight in your defense. It may not take much to cause a creditor or debt collector to back down in any case, and you may be surprised at how quickly the case is dismissed. Most creditors are used to dealing with consumers who do not reply, do not show up to court, and do not put up a fight at all. It is in your best interest to be different!

If you are concerned about impending creditor lawsuits or fighting a default judgment, consult with an experienced law firm like Fitzgerald & Campbell, APLC as soon as possible. A solution can be found to help you through any of these issues, even if a judgment has already been granted. 

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: