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. A judgment rendered against you can result in wage garnishment, lost income, or even the loss of savings and property. You don’t want to face this alone. Lightpoint Law Group can help you prepare a strong defense and ensure your rights and property are protected.
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 it. It’s important to respond in a timely manner—notify us right away.
How we prepare your defense depends on your situation. We will discuss the debt, your financial standing, and what collection methods the creditor has used.
Defend or Settle?
When served with a summons, you have options beyond simply paying the debt:
- We can argue to have the case dismissed if there are grounds. » For example, if the creditor lacks proper documentation or the debt is past the statute of limitations.
- We can defend against the creditor’s claims at trial. » You may dispute the amount or question whether you are truly responsible for the debt.
- We can negotiate a settlement with terms that are affordable and acceptable to the creditor. » Our attorneys have experience negotiating favorable settlements.
If the creditor made false claims or violated your rights under the Fair Debt Collection Practices Act (FDCPA), you may have grounds for a countersuit.
Defending Your Rights in Consumer Litigation
Creditors may pursue litigation for various types of debt—credit cards, payday loans, or medical bills. If you are sued, Lightpoint Law Group can help you prepare a solid defense and protect your rights.
At Lightpoint Law Group, we take the time to understand your situation and tailor your defense. Call us today at 866.984.3440 to schedule a consultation.