How to Answer a Lawsuit for Debt Collection

Stop Debt Collectors How to Answer a Lawsuit for Debt Collection

How to Answer a Lawsuit for Debt Collection with DoNotPay

When you're months late with your payments, your creditor may assign or sell your debt to a third-party debt collection agency, who will in turn try to collect from you. In the most extreme circumstances of nonpayment, the debt collector may sue you.

According to the (CFPB) Consumer Financial Protection Bureau, over 70 million Americans have engaged with debt collectors. Also, almost a quarter of them felt threatened during their interactions with them.

The language used by certain collecting firms can be frightening. When you're served with a lawsuit that threatens your earnings and bank accounts, the temptation to ignore it might be powerful. However, understanding what unfolds when you are served with debt papers and how to answer a lawsuit for debt collection can make all the difference.

Whether you were recently contacted or have been harassed for months, DoNotPay can help you determine whether your debt collector complies with the FDCPA.

Here are the most common questions debtors have and concerns that we can certainly assist you with:

What Is the FDCPA?

The FDCPA or the Fair Debt Collection Practices Act, a federal legislation that regulates third-party debt collectors who try to collect debts on behalf of another person or company. The legislation limits the methods by which debt collectors may contact debtors and the time and number of times they can do so.

The debtor may sue the debt collection firm and individual debt accumulator for harm and attorney fees if the FDCPA is breached.

Who to Contact When You Are Being Pressed Too Hard by Collection Agencies

The Fair Trade Commission or FTC and Consumer Financial Protection Bureau ensures that the FDCPA is strictly followed by debt collectors. If collectors are giving you too much of a hard time and you already feel aggravated, contact us at DoNotPay so we can assist with a proper legal plan.

You may also reach out to the CFPB using the contact details below:

CompanyConsumer Financial Protection Bureau
Mailing AddressConsumer Financial Protection Bureau

PO Box 27170

Washington, DC 20038

Phone Number(855) 411-2372
Email or Contact FormAsk CFPB
FaxNot Available

How to Answer Summons for Debt Collections 

It's critical to reply, either personally or via an attorney, if a debt collector sues to recover a debt against you. For example, you have 28 days from the time you receive lawsuit documents to answer a summon for debt collection in Ohio.

That might involve drafting a response and appearing in court by any deadline specified in the court documents, whether or not you believe you owe the obligation.

The debt collector needs to establish that you owe the debt. Confirm that the amount owed is accurate and that the debt collector has the authority to sue you to collect the debt by replying to the lawsuit.

Don't disregard the lawsuit, no matter what you do. Responding in court to a debt collector's lawsuit will undoubtedly improve your situation. It will save you money in costs and offer you more choice over how you repay the amount.

If a debt collector is threatening to sue you, here's what you should do:

  • You may be required to respond to the lawsuit in writing or by appearing in court–or both. The documents stating that a debt collector is suing you will instruct you on what to do.
  • Examine your debt records and any information you may have received from the collector. One example is the validation information that debt collectors are required to provide you.
  • Identify any problems with the case. It is the collector's job to establish the validity of the litigation allegations. They must show that you are the debtor and that the debt amount is correct, including any interest or fees. If the debt is old, check if the collector's time to suit hasn't already passed.

What Happens If You Don't Respond to a Lawsuit?

Ignoring legal letters and filings will not result in the lawsuit being dismissed. In reality, the lawsuit can move on even if you aren't there. The court may decide without hearing your side of the story, and the debt collector may win by "default" since you failed to appear.

Dealing with legal issues may seem intimidating. As soon as you hear from a debt collector, contact DoNotPay right away. We can assist you from beginning to the end so you don’t have to worry about anything.

How to Deal with Persistent Debt Collectors on Your Own

Here are the tips you should consider when dealing with a debt collector on your own;:

  1. Examine the debt validation letter to confirm the amount owing, the original creditor, the nature of the debt, and the collector's identification.
  2. If you have doubts or believe the debt is not yours, submit a debt verification request. If the debt's statute of limitations is approaching its end, it may be preferable to ignore the collection and wait it out.
  3. You have a few alternatives after you've validated the debt. You can:
  • Repay your debts.
  • Request that the debt collector refrains from contacting you.
  • They are legally compelled to stop contacting you once you make this request, but they may choose to escalate the issue by filing a lawsuit.
  • Please specify how you want them to contact you, whether through your lawyer or requesting that they not phone you at work.
  • If you suspect they've broken the FDCPA, contact the FTC and the Consumer Financial Protection Bureau.

How to Stop Debt Collectors with DoNotPay

DoNotPay will assist you in determining if a debt collector complies with the FDCPA, whether you were just contacted or have been hounded for months. We'll assist you in deciding what course of action to pursue after walking you through a series of questions and contact the debt collectors on your behalf with a demand letter.

We can also file a complaint on your behalf if you want to report the collection agency to the Consumer Financial Protection Bureau.

Here's how it works:

  1. Search “debt collection” on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the CFPB. This way, they can no longer use unfair debt collection practices.

Why Use DoNotPay to Respond to Debt Collectors?

Debt collectors can be extremely intimidating and if you are easily threatened, you might end up cashing out more than you should. Policies related to settling debt can be very confusing, making first-time debtors prone to being taken advantage of.

Using DoNotPay to deal with your debt issues will be the best decision you’ll ever make. The world’s first Robot Lawyer is most known for being:

  • Fast. No need to spend endless hours doing your own research and DIY-ing everything. Using the Stop Debt Collectors Service on the app eliminates wait times and a lot of the paperwork on your end.
  • Easy. Avoid the redundancy of filling out lengthy documents or keeping track of all the stages required in responding to a summons. Just leave it to the legal experts in DoNotPay to handle all the hard work for you.
  • Results-driven. DoNotPay aims for success and hits the target all the time. You can be confident that DoNotPay will present your case in the best possible way.

What Else Can DoNotPay Do?

Aside from dealing with aggressive debt collectors, DoNotPay can assist with a whole lot of other concerns that you may have. Here are some issues that DoNotPay can confidently handle for you:

Whether you have debt collectors bugging you or you simply don’t have the time to deal with a nagging task, the world’s first ever Robot Lawyer is at your disposal. Sign up for DoNotPay today and watch everything in your life fall into place.

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