Keep in mind if you have already been served with a Summons and Complaint, you have a limited time to respond. If you do nothing, a judgment by default will be entered against you. 

Once a default judgment is entered, your wages can be garnished, your bank account levied and a lien can be filed against your property.  You also lose substantial negotiating leverage – so you must act promptly.

The good news is that there are number of defense strategies ranging from early settlement to calculated delay. Delay often produces the larger discount. 

Based on our knowledge of debt collectors and their attorneys and of your particular needs, we can create an effective strategy to put this whole thing behind you.

 Finally, consider this rule of thumb: Debt collection attorneys are swamped. They have too many cases. They don’t want to try your case against an experienced debt defense attorney they know and respect. This means that as trial approaches, better settlements can be expected. 

So, call us and let us know your concerns.