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Collection Lawsuits May Not Stem From COVID, But Previous Debts

puggy bank beside a jar of money

If you are being sued right now consider that an unfortunate but also strangely opportune circumstance in these times. While no one wants to be in debt and certainly that has been a huge topic over the last year, timing has never been better for negotiating with creditors and debt collection agencies.

If you were already struggling with debt and with all the other bills to include the typical payments like that of the mortgage or rent, vehicle, student loans, and more, finding that you are being sued may just seem like one more thing to deal with that you will never be able to pay off; however, if you have been served with a summons and complaint, dealing with that should be your top priority because of the immense repercussions that can follow – and for 20 years to make the situation even worse.

Some consumers feel like they may be judgment proof if they currently do not have a job, and don’t really have any valuables, or anything to worry about losing. You may not even have a checking account at this time. For most people though, circumstances will change within 20 years. Age plays a large role in that, as well as what you may plan to do with the rest of your life of course, but the best course of action, bottom line, is to deal with any creditors or debt collection agencies who may be suing you currently. The key is to respond within 20 to 30 days of receiving the lawsuit, and if there is the possibility of a strong defense, start working on it immediately. This could fend off the potential for a default judgment, which is basically the goal of the entire process for you at this point.

Default judgments may seem like the end of the line for a debt, but they really are not. If you do not reply to a summons and complaint, do not show up to court, and do not have a defense, there is the possibility of a default judgment being granted against you—and quickly so. This opens you up to losing up to 25 percent of your disposable income, loss of valuable property and assets, and loss of control over your checking accounts. Do not fall into this trap!

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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