Win the Battle Against Credit Collectors: How to File a Response Quickly and Easily | Summary and Q&A

1.4K views
March 9, 2023
by
Consumer Warrior
YouTube video player
Win the Battle Against Credit Collectors: How to File a Response Quickly and Easily

TL;DR

Learn the crucial step of filing a response to a debt collection lawsuit within the specified time frame to avoid a default judgment.

Install to Summarize YouTube Videos and Get Transcripts

Questions & Answers

Q: What is the first step to take if served with a debt collection lawsuit?

The first step is to file a response or an answer to the complaint within the specified time frame mentioned in the summons. This is crucial to avoid a default judgment.

Q: What are the possible responses to the allegations in the complaint?

When drafting your response, you can admit, deny, or state that you lack sufficient information regarding each numbered paragraph in the complaint. Admit if the allegations are true, deny if they are false, or lack sufficient information if you are unsure.

Q: Can I use the response to tell my side of the story or discuss settlement offers?

No, the primary purpose of the response is to admit or deny the allegations in the complaint. The court is interested in determining if there is a dispute between the parties. Settlement discussions and narratives come later in the process.

Q: What happens if I receive a default judgment?

If you fail to file a response in time, you may receive a default judgment, which means the court automatically rules in favor of the creditor. This can result in additional fees and costs added to your debt.

Summary & Key Takeaways

  • John Skiba shares his number one tip to avoid a default judgment in a debt collection lawsuit, which is to file a response to the complaint within the given time frame.

  • Filing a response shows the court that there is a dispute and gives you a chance to present your side of the story during the trial or settlement discussions.

  • Many people neglect to file a response, leading to default judgments and the addition of attorneys' fees and court costs to the debt.

Share This Summary 📚

Summarize YouTube Videos and Get Video Transcripts with 1-Click

Download browser extensions on:

Explore More Summaries from Consumer Warrior 📚

Summarize YouTube Videos and Get Video Transcripts with 1-Click

Download browser extensions on: