A Debt Collector Has Sued You – What's next?
An experience of a legal system is particularly intimidating when it comes to debt collection proceedings. If you landed on this page, you are probably perplexed by the lawsuit. Let us make your day easier by sharing some of the most important information that you may or may not know about.
What is the Summon and Complaint
The lawsuit generally begins when you receive a Summon and Complaint. Summon includes basic information from the administrative aspect of the suit and also some basic instructions. The most important information on the Summon is the date of return or the date on which your creditors win the case if you do not take any action.
The Complaint comes next. It consists of a basic argument against you and why you are being sued and the amount you are being sued for. In some cases, you may also receive a few blank forms together with appeals and complaints. One of the attachments would have questions about your place of work and your bank. These questions are there to help the creditors win the case.
But when you have the help of our bankruptcy lawyer in OKC, there is no reason to be afraid. A lawyer always suggests avoiding such forms. However, it is difficult to know which questions you should answer, and which ones should be avoided. Come to our attorney for help filling out these forms. This is essential, because failure to answer all necessary questions can put you in serious legal trouble.
How to File Your Response
Now, this is another critical part where you should get help from our OKC bankruptcy lawyer. There will be another attachment: a reply form that you need to complete and send back to court. Here you have to say why you should win the case. But drafting this answer form is tricky, and a good lawyer is necessary here.
Legal help minimizes the risk of creditors using your words against you. If you fail to take action and lose your case, creditors can take action against you, depending on the state in which you live. The first action they can take is on your income.
They can take up to 25% of your take-home income until you pay your loan. You can get in touch with our OKC bankruptcy lawyer to know what immediate action you can take to confront your creditors. Chris Mudd & Associates will have your back.
** Disclaimer: This blog post does not constitute legal advice, nor does it create a client-attorney relationship.