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When you have finished reviewing my changes, you may follow the instructions on the template below to fix any issues with the URLs. From Wikipedia, the free encyclopedia. Hobbs says, "It could be if the consumer had talked to a bankruptcy attorney and therefore could be convincing to the debt collector.
You might be able to defend your case if you never received the good or service stated in the lawsuit, the good was defective, the contract for the service was legally canceled, or the contract was illegal to begin with. Also, make sure the information the collector has about the debt you owe is correct, and ask for documentation backing up the claim. Once a lawsuit has been issued against you, read and follow the summons instructions carefully, appear in all required court appearances, and provide all the documentation that can help defend you.
In some cases, a creditor will drop a lawsuit if it appears that you are just not giving up. The creditor is spending money on lawyer fees and court appearances pursuing this lawsuit and the longer you put up a fight, the better your chances can be of getting the lawsuit dismissed.
However, consult your lawyer on the appropriate steps you need to take in defending your specific case. Each case is different and the laws that apply to consumers and creditors in each state also vary.
If you need a lawyer for legal advice on how to handle your particular case, there are resources available for those with limited income. The Legal Services Corp. LSC provides programs in each state that can help. Local organizations such as your library, community center, or senior citizens center might also be a good provider of information for free or low-cost legal advice.
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