Debt Collection Lawsuit | What To Do If I Get Sued But Didn't Even Know About It?

TL;DR

Learn how debt collectors can obtain a judgment against you without your knowledge and how to potentially reverse the judgment.

Transcript

have you been sued by a debt collector and you didn't even know about it hi my name is john skiba and i'm the founder of the consumer warrior youtube channel i'm also a licensed attorney in the state of arizona and in this video i'm going to talk about how this even happens how do you get sued have a judgment against you and you didn't even know ab... Read More

Key Insights

• 👻 Debt collectors and junk debt buyers file lawsuits to obtain judgments, which allows them to take legal action against debtors.
• 🛟 Many debtors are unaware of the lawsuit because they are not properly served with the necessary documents.
• 💌 Alternative service through certified mail and posting on the door is often used, but it may not effectively notify the debtor.
• 😣 Default judgments can have severe consequences, such as wage garnishment and asset seizure.
• 📁 If a default judgment was entered incorrectly, it is possible to file a motion to vacate the judgment and have the process reversed.

Questions & Answers

Q: How can debt collectors obtain a judgment against you without your knowledge?

Debt collectors can get a default judgment if they claim they were unable to serve you properly and the court allows alternative service through certified mail and posting on the door.

Q: What are the consequences of a default judgment?

Once a default judgment is entered, debt collectors can garnish your wages, seize funds in your bank account, or place a lien on your property.

Q: Can a default judgment be overturned if the service was done incorrectly?

Yes, if you can prove that the service was not done correctly, you can file a motion to vacate the default judgment and potentially have the entire process reversed.

Q: How can you defend yourself against a debt lawsuit?

If you are facing a debt lawsuit, it is recommended to seek a free consultation with an attorney who specializes in debt collection and bankruptcy to explore your options.

Summary & Key Takeaways

• Debt collectors and junk debt buyers file lawsuits to obtain judgments, which allow them to garnish wages and seize assets.

• Many people are unaware of the lawsuit because they are not properly served with the summons and complaint.

• Alternative service through certified mail and posting on the door is often used, but it may not effectively notify the debtor.