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Collection Lawsuits: Why You Should Deal with Them Now, More Than Ever


If you are being sued over a debt currently, this is not a time to shove that summons and complaint under the rug, along with all the other bills. Although no one likes opening the door to see a private process server or a deputy standing there with legal documents uttering the famous line, “You have been served,” this is a wake up call to kick into high gear and contact an experienced attorney from Fitzgerald & Campbell, APLC to get your finances back on track.

More than ever, you are not alone. Millions of US citizens have lost their jobs, and although employers may be hiring to fill in the spots not required during COVID-19 restrictions and lockdowns, that doesn’t mean that everyone is able to hop right back into a career, or even a low-key service job with fewer qualifications. Depending on the city, it could be nearly impossible to land another job. Unemployment is unfortunate but rampant in many areas, and among some generations in particular, like Millennials. More than ever, you are not alone in trying to deal with debt that was left over from 2019 and before.

You are also not alone in feeling helpless! For so many having to deal with both health and financial problems all at the same time, life can seem overwhelming, and incredibly fragile now too as so many have had to fight for their lives, or passed away altogether.

Feeling overwhelmed due to debt, along with feeling embarrassed, is understandable at any time; however, for most individuals, financial successes do tend to have peaks and valleys, and the key is in figuring out how to pick yourself back up and move on to financial freedom again.

If you have been served, it is key to get to work right away on answering the lawsuit, with the help of a skilled legal professional who can write a reply. Why is it so important to reply and to show up to court? Without those actions, you leave yourself open to the possibility of a default judgment. Even if you do not have anything to lose right now, a default judgment means the potential for wage garnishment, levying of property, and the loss of control of your checking accounts. Unfortunately, this can go on for up to 20 years too, as the first judgment is good for ten—and it can be extended for ten more if the debt is not satisfied in due course.

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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