What the Debt Collector expects:
Debt buyers are always looking for the low hanging fruit. They count on most consumers not filing an answer with the court to the credit card lawsuit. After the consumer fails to Answer the lawsuit, the debt collector is able to obtain a default judgment against the consumer, allowing it to begin wage garnishment (up to 25% in Michigan), and garnishment from the consumer’s bank account (unlimited amount, other than federally protected funds). They know that the odds are with them. 97% of consumers Fail to Answer the Debt Collector’s lawsuit and thereby admit liability to all the Debt Collector’s allegations.
Once you have been ‘Served’ with a lawsuit, the clock starts ticking. You must respond to the lawsuit within 21 days of being served. If you don’t answer the Debt Collectors complaint within a proper time frame they will able to apply for a judgment against you for failure to answer the lawsuit.
Common Complaints that violate Consumer Protection Laws:
1) You may have been sued on a debt you have already paid;
2) A debt that doesn’t belong to you;
3) You were sued for a debt that is barred by the statute of limitations; or
4) You were sued for the incorrect amount.
It is important that you have your case evaluated before you respond to the Debt Collector’s allegations.
If you do not promptly respond to the lawsuit filed by a Debt Collector then the judge will grant a default judgment against you. A Default Judgment will allow the Debt Collector to Garnish your Paycheck and Withhold your Tax Returns until Midland gets paid. Don’t let this happen to you. Call us and have a free consultation and evaluation of your case is FREE of charge.
If you are being sued by any of the Below Listed Companies, or any other debt collector, you should contact one of our experienced Consumer Debt Defense Attorneys. We are often able to get the case against you dismiss and collect against you’re Debt Collector for violating numerous consumer protection laws. Often times, Debt Collectors file illegal lawsuits and abuse the judicial process hoping to coerce consumers like you into a default or consent judgment. Don’t get taken advantage of by unscrupulous debt collection companies.
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St. Clair Shores MI 48080
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