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    Estate & Probate » Blog » What Happens in a Debt Collection Lawsuit?

    What Happens in a Debt Collection Lawsuit?

    If you are in serious financial trouble and unable to pay off your debts, avoiding them is the last thing you want to do. Failure to make your credit card payments, car payments, house payments, or other monthly payments will result in debt collection procedures. From phone calls to collections letters, and repossession to wage garnishment, collectors will take any number of measures to collect what is owed to them. The first step they will take, however, is to send your debt to a debt collection law firm. As soon as you learn that your debt went to a collection firm, contact the bankruptcy attorneys at Jim A. Lyon Law Firm right away to learn more about your legal options.

    Once Your Debt is Sent to a Collection Firm…

    Once your debt is sent to a debt collection law firm, you will be notified in writing that you have 30 days to pay off your debt or to dispute it. The firm will give you instructions on how to do either or. The notice may also inform you that if they do not receive a response, a civil lawsuit will be filed against you. If you receive a letter from a debt collection law firm, the Oklahoma City bankruptcy lawyers of Jim A. Lyon Law Firm can help you in negotiations with the debt collectors and achieve a settlement that satisfies both you and the debt collection firm. Hopefully, in cooperating with the firm, you can avoid a civil lawsuit from being brought against you, and therefore, save a significant amount of time and money from being wasted.

    Once a Lawsuit is Filed…

    Once a civil suit is filed against you, you have a limited amount of time to respond to the complaint with your position. If you fail to respond, the courts may assume that you do not want to take action, and therefore, allow the collectors to pursue whatever collective tactics they feel are necessary.

    Unfortunately, once a lawsuit is filed against you, you have very little, if any, applicable defenses to utilize. If there are any, your Oklahoma City bankruptcy attorney will identify them and ensure that they do whatever it takes to help you. In some instances, a statute of limitations may apply that bars the recovery of a certain debt. In other instances, the bankruptcy lawyer may file a motion for discovery purposes, a motion to quash the summons, or even a motion to dismiss the complaint entirely.

    Retain the Help of an Oklahoma City Bankruptcy Lawyer

    At Jim A. Lyon Law Firm, our Oklahoma bankruptcy attorney has extensive experience in assisting clients throughout their bankruptcy cases. If you have been living with a large amount of debt and are no longer able to make your payments, do not wait for collectors to start knocking at your door-contact our law firm right away to discuss your legal options. Call our office at 405-843-0461 to schedule a private consultation today.

    Ethan Moran
    Ethan Moran
    09:36 28 Dec 22
    To my wife and I, our probate case was complicated. Not to Jim! He made it look so easy, and his attention to detail is incredible. Highly recommend to anyone seeking an estate planning lawyer.
    Philippe Joshua
    Philippe Joshua
    17:56 30 Nov 22
    Jim's firm was referred to me by a friend who knew I was looking for an estate planning lawyer. I can't say enough good stuff about him. He's genuine, thorough and highly skilled. Strongly recommend.
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    Estate & Probate » Blog » What Happens in a Debt Collection Lawsuit?