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How to Respond to a Debt Collection Lawsuit: The Answer, the Deadline, and the Defenses That Matter
Most debt collection lawsuits end in default judgment because the defendant did nothing. This post walks through filing the answer, the short deadline, and the affirmative defenses that actually move the case.
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Sued for a Credit-Card Debt? The Defense Most People Never File
About 70% of consumer debt-collection lawsuits end in a default judgment because the defendant never filed an answer. The cases that get an Answer look completely different. Most credit-card lawsuits are filed by debt buyers who do not have the documents they would need to win at trial: chain-of-title, the original cardholder agreement, a specific bill of sale. Here is the defense most people never file, in five steps.
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