Debt Litigation
Representing Your Rights in Consumer Litigation
Consumer Litigation Defense
When a creditor turns to litigation to collect on a debt it can be a stressful situation. Having a judgement rendered against you can not only result in a garnishment of wages and lost income, but also could mean the loss of hard-earned savings and property. When faced with consumer litigation, you don’t want to face it alone. Lightpoint Law Group can help you prepare a strong defense and make sure your rights are protected as well as your property.
What to do When you Receive a Summons
If a creditor wants to take you to court to collect on your debt, you will receive a summons. Do not ignore this summons. It is important to respond in a timely manner, so notify us right away.
How we prepare your defense will depend on your situation. We will discuss the debt, your financial situation, and what methods the creditor has used to collect on the debt.
Defend or Settle?
When you are served with a summons, you do have options other than acknowledging and paying the debt:
- We can argue to have the case dismissed if we determine there are grounds for dismissal. >> If the creditor does not have proper documentation of the debt or the debt is passed the statute of limitations.
- We can defend against the creditor’s claims at trial. >> You may dispute the amount owed or have reason to believe you are not responsible for the debt.
- We can negotiate a settlement and attempt to come up with terms that you can afford and will satisfy the creditor. >> Our attorneys are experienced with negotiating to get you the best possible settlement.
If you feel that the creditor made false claims when you incurred the debt or violated your right as outlined in the Fair Debt Collection Practices Act (FDCPA), you may have grounds for a countersuit.
Defending Your Rights in Consumer Litigation
Creditors can file consumer litigation cases over many types of debt, including credit cards, payday loans, and medical bills. If you are sued by a creditor, Lightpoint Law Group can help you prepare a defense and make sure you are protected by the rights you are entitled to and deserve.
At Lightpoint Law Group, we will take the time to understand your situation so we can best defend your rights against creditors and debt collectors. Contact Lightpoint Law Group, today at 866.984.3440 to schedule a consultation.