I’ll admit that when I first was served my Summons I was probably just like you nervous and scared to death with thoughts of Collection Agencies freezing my bank account and coming after my Paycheck. I just like you had enough going on in my life where I really didn’t need this lawsuit right now! But guess what? I chose to fight them back and am here to tell you to do the same thing. It is NOT HARD to beat these unethical companies trust me. They sue thousands of people a day……and the cases they win are the people who do not answer their summons.

It is nothing but scary when you are served a summons for any reason what so ever.

This site has a ton of information to help you Defend yourself against Collection Agencies all you need to do is look to the right at all the subjects listed and get reading.

The first thing people say is oh my gosh what am I going to do? I can’t afford a lawyer, I have no money these guys are going to win this thing.

And I am here to tell you that you are wrong.
Just because you’ve been served doesn’t mean you are automatically going to lose your case. As I have mentioned one hundred times over these unethical companies probably do not have the documents to prevail in a court of law and are looking for a default judgment.

The most important thing to do now is to check your Summons not the complaint, the summons and read exactly what the court is tells you to do. The court will say you are being sued by so and so for the reasons following on the complaint and that you have so many days to Answer your Summons. Depending on the state where you live you could have an automatic court date listed where you are to show up on that date at that time to start fighting these guys. If you have a court date listed on that summons SHOW UP for it to avoid a default judgment. If you have per example “20 Days” to answer your complaint, make sure you answer your complaint by that 20th day.

Answering your Summons is your first step in Defending yourself against a Collection Agency lawsuit. After you answer your summons it is then in the Collection Agencies court to further this lawsuit or dismiss it. Collection Agencies do not like people who fight their lawsuits back. They want the weak people who do not answer their summons so that they can get their default judgment, freeze their bank account and garnish their wages.

NOW all of you reading this post should know what to do and in case you do not the answer is to Answer your Summons right now and begin your fight. Just by you answering this company’s summons will rack up their attorney fees and make them work at winning their case. They don’t want to spend any more money on attorney fees, the attorney’s most certainly do not want to fight you in court. They just want you to be stupid and ignore your summons so that they can collect this money legally.

Look at your complaint. Isn’t it amazing how let’s say a $1000 credit card limit turned into over a $5,000.00 lawsuit. Are you kidding me? Are you telling me you are going to just ignore this summons and let them collect all those fees?

Make them prove to the court that:

1. They actually own this debt and can sue you
2. Make them prove it down to the last penny by providing documents that show you owe every single cent they are suing you for.
3. Make them prove that you even owe the original creditor any such dollar amount

There is so much documentation that is needed by this company to prove to the judge and your court that you do indeed owe this money to them and that they legally own the debt that I can sit here for another 10 hours writing about it.