Expertise In All Aspects Of Debtor Defense
Even though the economy is improving, many people are continuing to struggle financially, and household debt has been increasing steadily for over 5 years. In 2015, American households had about $3.5 trillion in debt, including credit cards, mortgages, student loans and auto loans. This debt has grown over time, leaving more people facing debt problems. More than one in four Americans currently have at least one debt in collection.
Debtor Defense
Creditors that can’t collect on a debt may turn to litigation in a new effort to collect. When faced with consumer litigation, many people do not fight for their rights, and some fail to respond at all. A judgment against you can cost you your wages, your bank accounts and your home. However, there are many ways that you can fight against it. With an experienced attorney at your side, you can craft a strong defense and protect your property and personal belongings.
Consumer litigation can be overwhelming and scary and that’s why Palisade Legal Group is here to help. When a debt collector decides to go to court, you should receive a summons- an official court document that must be served according to the laws within your state. The summons will go over your responsibilities and how to properly address them. You will need to act swiftly, because once you receive the summons, the case will move forward without delay. Having a skilled attorney on your team can help you protect your rights. Participating in the proceedings is the best way to ensure your rights aren’t being abused. The number of proceedings will vary dependent on where you live and your case.
Making the Best Choice
Once you receive a summons, you have several options; negotiate, settle or defend. You can acknowledge that you owe money, and if you have no defense, the judge will likely issue a summary judgment and you will have to pay the debt. Our attorney’s can argue to have your case dismissed, especially if the creditor lacks documentation or other necessary evidence. We can also defend against the creditor’s claims. A trial date will be set, and you will have the opportunity to present your case. The last option is settling. Settling is often in the best interest of both creditors and consumers, which might be why it’s one of the most common outcomes of debtor defense. When settling, our attorney’s will negotiate the best terms to meet your needs.
Picking the Right Help
Creditors can initiate consumer litigation cases over almost any type of debt, including, medical bills, auto bills, credit card bills and payday loans. The attorneys at Palisade Legal Group can help you find the best defense, regardless if you have one or many creditors. We will negotiate a settlement or answer the claims, whatever is in your best interest. In some cases, we will even be able to file a countersuit. We can help you get a new financial start and move past your consumer litigation. Contact Palisade Legal Group today to learn more or to schedule a consultation with our team.
