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Collections Lawsuits: Procrastination is Your Enemy

debt collection document

One of the worst parts about dealing with debt can be those sleepless nights, and often many stressful days—and even months—to follow. This is understandable when your income has become diminished, leaving you not only with the challenges of trying to figure out how you are going to pay for the essentials, but also fend off a line of aggressive creditors and debt collectors who are pressuring you to satisfy debts that you owe. Often, this type of stress revolves around credit card debt, but you may also be living in fear that your home will be foreclosed on or that your car will be momentarily repossessed while you aren’t looking.

You may also be living with the challenges of an illness or the long-term reality of healing from an accident—rendering you unable to work either temporarily or permanently. There may be other family issues going on such as a separation or a divorce, or you may have had to move or quit your job to take care of an aging parent or other family member.

No matter what the case is, procrastination could be what got you into trouble to begin with also. Recent news points out that many consumers stall in finding an answer to their money problems due to feeling deeply uncomfortable with the situation or even afraid.

“Living like there’s no credit tomorrow and burying your head in the sand almost always hurts your credit score today — and for many ‘tomorrows’ too,” says certified financial planner Julie Murphy Casserly in a recent interview.

The bottom line is that being in debt feels bad, and you may be very tempted to sweep the problems under the rug. The mail from creditors will keep coming and the phone will keep ringing, however, and without any action on your part, your financial future could be in great jeopardy—especially if you are in danger of being sued, or if you have already been served with a summons and complaint. If that is the case, consult with a skilled collections lawsuit attorney from Fitzgerald & Campbell, APLC as soon as possible to examine your options and begin moving forward to success.

Far too many defendants again begin to procrastinate or put on the brakes in terms of dealing with a serious financial situation like a collections lawsuit because it can be an intimidating task. Without legal expertise in your corner, however, and both a reply to the lawsuit and a strategy in place, you could find yourself not only losing, but on the receiving end of a default judgment. This is a scenario to be avoided at all cost as the creditor or debt collections agency can then move forward to garnish your wages, freeze your bank accounts, and even seize 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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