If you are looking for information on Bankruptcy, chances are you have been the target of a collection lawsuit. Last week a couple came to my office after a judgment had been entered against them as a result of a debt they did not owe. They were opposed to filing for Bankruptcy, they had already had a judgment entered against them at a motion hearing. The debt was not large, less than $2,000, but a garnishment would be devastating to their family. Unfortunately, once a judgment has been entered, the options are limited. In this case, more then 28 days had passed since the judgment was entered so getting the judgment set aside would be difficult and costly. Don’t let this happen to you! Don’t ignore collection lawsuits. Don’t negotiate with the collectors without filing an answer to the complaint. Once you get defaulted you loose all of your leverage. Contact an attorney, or defend yourself, but whatever you do, DO NOT LET A DEFAULT JUDGMENT BE ENTERED AGAINST YOU.
I have created the “Consumers Guide to Collection Lawsuits” to assist persons sued by collectors who want to represent themselves. If you would like a copy sent to you, just call or email.
