I’ve Been Sued – What Should I Do?

Being sued in Alabama by a debt buyer (Asset Acceptance, LVNV, Midland Funding, Portfolio Recovery Associates, Unifund, etc) is a frightening thing – particularly when it is by a debt buyer  that you have never heard of before the suit.

The first thing to do is request our Free Report – The Five Secrets Debt Buyers Don’t Want You To Know.  This report exposes five things that debt buyers hope you will never discover because understanding these five secrets will give you a better understanding of what you are facing when you are sued by a debt buyer.  Fill out our Contact Us form and let us know that you want this free report and we will mail it to you right away.  Or you can fill out the form at the bottom of the page.  [Please note that this offer is not valid for anyone employed by debt collectors, debt buyers, or collection lawfirms]

Second, keep in mind that the debt buyer has sued you and therefore bears the burden of proof.   Just because you have been sued does not mean you will lose – instead the debt buyer must prove that you owe money to the debt buyer, not just to the original creditor (Capital One, Bank of America, Chase, etc).

Third, you have 14 days from when you were served to answer the lawsuit in Alabama District Court (or Small Claims) and 30 days in Alabama Circuit Court to answer from when you were served.  Keeping in mind those deadlines, you normally have time to think and research before you need to make a decision.  Request our free report and the other information we will send you before you make a decision.  Please note if your time is running out to answer then you need to make a decision and take action before your time expires.

Fourth, bankruptcy is a valid option to consider but it normally is not your only option.  So many Alabama consumers file bankruptcy when they could have likely defeated a bogus debt buyer lawsuit.  You probably have received a number of letters from bankruptcy attorneys – certainly look at the information they sent you so you can decide if that is a good option but always consider the option of fighting the debt buyer lawsuit.

This leads us to the final point.  If you are successful in the collection lawsuit, lots of good things happen.  You should not receive any more letters or calls from this debt buyer or any other collector related to this debt.  Your credit report should be cleared of the debt buyer’s account that is related to the lawsuit.  If you do get calls or if your credit report is not corrected when you request an investigation, you may be entitled to money damages against the responsible parties.  All because you won your debt buyer collection lawsuit.

So, being sued is certainly no fun.  But you have an opportunity to investigate your options and potentially turn a negative thing (being sued) into a positive result for you.  Contact us today to learn more about your rights and options when you have been sued in Alabama by a debt buyer.