Debt collectors can be really annoying at times. They keep coming at you, ever persistent in collecting the money you owe. While you can ignore their irritating calls and letters when you cannot pay them, you cannot keep doing this strategy to avoid payment. You can dodge payments by not answering the calls and letters, but this only works for a short period of time. You cannot dodge the collectors forever as this can result to a lawsuit. And once a creditor sues you, not answering is no longer an option because it will result in a judgment, which can result in levies and garnishments.
If you still don’t pay even after the creditors called you many times and sent you letters, a lawsuit might be on your way. This is the credit card company’s way of making you pay, with an order from the court. A favorable judgement might also allow the creditor to take money from your salary or account or seize your property. So don’t take a lawsuit lightly. Make sure that you know the basic steps in how to go about your situation and what to do to fight off the lawsuit. To find out more about what to expect when are you are being sued, kindly read the linked article.
Your best shot at getting out of this trouble is to hire debt settlement attorney. This is a crucial step in the process. You must not go to court unprepared and unprotected. Remember that you are up against a company. They have a team of lawyers protecting their interest. You as a consumer deserves a great lawyer as well to protect your rights and interest. Trying to face a lawsuit by a creditor without proper representation is like bringing a knife to a gun fight, and will result in a less than favorable outcome for the consumer.
Make sure that you hire a reliable and highly efficient debt settlement attorney, a professional who really knows the applicable defenses and procedures. Your goal is to avoid a judgment against your favor. A favorable debt settlement is what you need. Your chances of achieving these are high if you have a great lawyer by your side.