Facing a debt collection lawsuitin Ingleside can be stressful. You might feel powerless. Yet, you have rights and options. Acting quickly often makes the difference between losing by default and winning in court.

Understanding a Debt Collection Lawsuit
A lawsuit begins when a creditor files a complaint. You then receive a summons and complaint by certified mail. Ignoring it leads to a default judgment, letting the creditor garnish bank accounts or seize assets—even though Texas doesn’t allow wage garnishment, other collection tools remain.

How to Respond

  1. Read the Complaint Carefully.Note deadlines and debt amounts.
  2. File an Answer.You usually have 20 days from seErvice date to file.
  3. Assert Your Defenses.Common defenses include:
    • Improper service of process
    • The statute of limitations has expired
    • Inaccurate account balance or payment history

Working with a debt relief attorney ensures your answer is timely and accurate.

Common Legal Defenses

  • Improper Service:If the papers weren’t delivered correctly, the court may dismiss the case.
  • Statute of Limitations:In Texas, most debts become unenforceable after four years.
  • Account Errors:Creditors sometimes miscalculate balances or fees.

Pointing out these issues early can force the creditor to negotiate or drop the case.

Explore Settlement Options
Before trial, consider alternatives:

  • Negotiate a lump-sum payment for less than owed.
  • Propose a repayment plan directly to the creditor.
  • Work with a debt settlement lawyer or go through a reputable debt relief law firm in Ingleside.

These strategies can save you court costs and additional fees.

When Bankruptcy May Help
If your debt load is too heavy, bankruptcy may be a better approach. Filing under Chapter 7 can discharge unsecured debts. A skilled bankruptcy attorney can evaluate eligibility and guide you through the process. Bankruptcy triggers an automatic stay, halting collection efforts and giving you breathing room.

attorney and client reviewing paperwork
Working with a debt relief attorney to build a strong defense

Next Steps

  • Gather all relevant financial documents.
  • Note any mistakes in billing or service.
  • Contact a qualified attorney promptly to protect your rights.

Call to Action
Don’t let a lawsuit derail your financial future. Learn more about how a skilled bankruptcy attorney In Ingleside can help by visiting the bankruptcy page. If you’re concerned about foreclosure or need strong defense strategies, explore our foreclosure resources. Ready for personalized guidance? Contact us today for a confidential consultation with Joel Gonzalez.