“Can I really be sued in Alabama if I’m broke?”

“Can I really be sued in Alabama if I’m broke?”

"Can I really be sued by a debt collector in Alabama if I'm broke?"According to some people, you can be too broke/poor to be sued by a debt collector.

Some may say, “Oh, I don’t have to worry about debt collectors suing me because I can’t pay them back in any way whatsoever.”

This is a false idea.

You are never too broke to be sued.

Even if you have no assets or income, these debt collectors may still sue you.

You may be wondering, “Why would they do that? They won’t be able to get any money from me.”

There’s a couple of reasons for that.

The first reason is that this debt collector has already paid for the lawsuit.

These guys have already hired lawyers and paid for the lawsuit to be filed.

Usually, they do their research before they sue, but sometimes they do have cases where the consumer can’t pay.

The debt collectors don’t like to be in the business of wasting money (ironically).

So if they have sued you, it is not enough to just say, “Well, they will drop the lawsuit against me because I’m broke or after I tell them I’m broke, etc.”

The second reason is that they can get a judgment against you.

Judgments are serious. 

Even if you can’t pay them now, they judgment gathers interest as time goes on.

So, for example, let’s say that in the next year or two your situation improves.

You get a steady job that pays well, or maybe a relative dies and you receive some inheritance.

Guess who will be there first with their hands out, waiting for you to pay them?

That’s right, the judgment collector will be first in line to get that money from you.

They can also garnish your wages and bank accounts, and even take your property.

“How can I avoid getting a judgment?”

Answer the lawsuit.  (We have a list of 5 secrets debt buyers don’t want you to know about that you may find useful).

When you get the lawsuit, respond immediately.

You have nothing to lose, right?

If you win, you won’t have to pay these guys any money!

Contact Us.

If you have any questions, feel free to get in touch with us.

You can reach us by phone at 1-205-879-2447.

You can also fill out a contact form and we will get in touch with you.

We will be glad to help you figure out your best course of action.

Thanks for reading, and have a great day!

-John G. Watts

PS — remember also to go through your five options when sued — it is worth the time to look at every option before you make a final decision.


  1. Matthew Austin says:

    I am getting sued by a debt collection agency. I have not received any papers yet, but they delivered some to my mother. I am trying to figure out which one of the 5 steps would be best for me?

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