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

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March 9, 2023
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Consumer Warrior
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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.

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Key Insights

  • 📁 Filing a response to a debt collection lawsuit is crucial to avoid a default judgment.
  • 👯 Most people fail to file a response, resulting in default judgments and increased financial burden.
  • 💁 Responding to the allegations is about admitting, denying, or stating insufficient information rather than telling your side of the story.
  • 🥺 Default judgments can lead to the addition of attorneys' fees and court costs to the original debt.
  • ⌛ The time frame to file a response varies by jurisdiction, so it is important to check the summons.
  • 👻 Filing a response shows the court that there is a dispute and allows for further legal proceedings, such as Discovery and trial.
  • 💁 Settlement discussions and providing additional information can come later in the legal process.

Transcript

hey everybody John skiba here from the consumer Warrior YouTube channel and in this video I'm going to share with you my number one tip if you've been served with the debt collection lawsuit to avoid a default judgment and give yourself the best fighting chance to get that lawsuit out of your life for good but if this is your first time here to my ... Read More

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.

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