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Debt Collectors and Lawsuits: Back in Full Force

Man with face in his hands in front of judge

The spring of 2020 marked a strange and unexpected respite for many debtors, all in the face of rampant illness, death from COVID, and other trauma like unemployment and ensuing financial problems. Evictions were given a long moratorium, and while private student loan borrowers were rightfully worried about massive monthly payments in some cases, federal student loan borrowers were given a long, long break through The Cares Act

Having a loan deferred is much different from having one forgiven, however, and while there could be an indefinite break from something like student loans, everyone still must pay up at some point. With the reign of COVID-19, having breaks from paying off debt was welcome, but came with a huge price too as millions contracted the virus and hundreds of thousands of patients died. 

Creditors are back in full swing now, to say that least—and that’s not just restricted to collections activities as they also have begun extending many new loans in the face of a real estate boon and an economy that is picking up. If you are struggling with debt from 2020, and from even before, you may also be dreading all the phone calls and the ongoing mail from creditors and debt collectors. 

Speak with a debt protection attorney from Fitzgerald & Campbell, APLC as soon as possible if debt is escalating, and especially if you have received a summons and complaint. These legal documents are usually delivered through a private process server or a deputy sheriff, and in most cases, you will have 20 to 30 days to respond to the lawsuit. This is a critical point. While you may feel like you have nothing left to lose or just a general sense of hopelessness, taking swift action is in your best interest. 

With the help of your attorney, you can reply to the lawsuit and begin outlining a defense—or your best option may be to negotiate. In that case, you may still find creditors extremely sympathetic to your plight in terms of challenges from 2020 or other issues that caused you to fall so deeply into debt. Negotiating can be surprisingly beneficial as some creditors are so eager to see debts paid off that they will accept pennies on the dollar for sums paid off in full. Your reward is saying goodbye to those financial burdens and getting back on track. 

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 issuesbankruptcy, 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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