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Served with a Recent Collections Lawsuit? Do Not Go Quietly—Especially Now

woman calculating checks

There is an old saying that ‘good health is true wealth.’ Undeniably, such words are accurate—and we should remind ourselves of them on a constant basis, but for many today the idea financial wealth may not be on the table at all—but rather just simple survival during extremely uncertain times. As over 36 million US citizens contemplate sudden unemployment, creditors and debt collections agencies wake from a spring-long slumber of sympathy toward debtors that may have been forced in many cases.

Large numbers of consumers were already mired in debt prior to the COVID-19 pandemic, with typical household debt reaching historic highs of over $14 trillion. While mortgage debt has been edging up slowly and continues to do so, student loan borrowers are also dealing with sometimes massive loans, and overall, a cumulative debt of over $1.6 trillion spread out over 45 million people. Medical debt has always played a major role in the debt load for consumers, as well as payments for automobiles and credit cards.

Other problems usually play a role—you or a family member may have been sick or are recovering from a car accident. There may have been serious family problems, including separation or divorce, or the need to caretake for an aging parent or another close relative. Dealing with the coronavirus pandemic on its own, however, is more than enough to contend with today—not to mention the potential loss of a job or health.

As weeks continue to pass this summer and fall, creditors and debt collectors will continue to regain their momentum, charging off accounts, selling them to other companies, and in some cases—moving forward to sue. With the help of a skilled debt protection attorney from a firm like Fitzgerald & Campbell, APLC you can work on deferring bills—including student loans—reorganize payment schedules, and even pay off some debts if possible with heavily discounted lump sums. While filing for bankruptcy may be the best choice for some, in other cases you may want to speak with your attorney about replying to and defending a collection lawsuit or fighting a default judgment with a motion to vacate.

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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