Collector lawsuits and calls
A collector says you owe it. Make them show the paper.
Debt buyers sue on old accounts and hope nobody answers. A lawsuit left alone ends in a judgment. A lawsuit that is answered makes the other side produce the account, the chain of owners and the math.
We read the summons, file the answer, and write to the collector to say who your lawyer is. Then we tell you plainly whether to fight, settle or wait. You never have to guess what the next letter means.
The answer filed before the court’s deadline
A letter telling the collector to contact us, not you
A written plan: fight, settle or wait
What the flat fee covers
The flat fee is for answering a lawsuit. A bill that has not become a lawsuit costs less, and we quote it first.
Reading the summons
We check who is suing, for what, and whether they can show they own the debt.
The answer and the filing
We draft and file the answer, and send you a copy the same day.
The collector hears from us
Calls and letters go to our desk. You get a short note when anything arrives.
Included: reading the papers, the answer, letters to the collector. Not included: court filing fees, a trial or an appeal, which we quote separately in writing.
About being sued
The summons has a court date. Do I skip work?
Not necessarily. Many cases start with a deadline to answer, not a hearing. We read the dates with you and tell you which one matters.
The debt is old. Can they still sue?
Sometimes they can, and sometimes the time to sue has run out. That is one of the first things we check.
Should I pay the collector something to make this go away?
Hold off until we have seen the paper. A small payment on an old debt can change your rights, and we would rather you ask first.
Send us the paper
A lawyer reads it and writes back with what it is and the flat price to deal with it.