Sonya Smith-Valentine, Esq.

Helping You Gain Peace of Mind Over Your Financial Future

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Sued by Creditor or Debt Collector


Are you being sued by a creditor, bill collector or collection agency on old credit card debt or a zombie debt? You may have a defense to the lawsuit.

Just because a creditor or debt collector sues you does not mean that they are automatically entitled to a judgment. They still have to prove their case. So if you have the time, hire an attorney to defend your case. Whether you hire us or someone else, it is better to hire a lawyer than to go it alone. Even though you know the facts of your case best, you are no match for the crowded courtroom and the experienced lawyer representing the creditor or collection agency. If you go it alone and lose, a judgment will be issued against you.

Defending yourself in a zombie debt lawsuit is like taking out your own appendix. It can be done, but rarely is it pleasant or successful. The cost of a lawyer may be more than the credit card debt but the long-term effects of a judgment are even more costly. If a judgment is issued against you, the creditor or debt collector can attempt to garnish your wages or your bank accounts. The judgment can affect your credit rating. It may impact your ability to get credit. It may impact what you pay for car insurance. It can affect your job (especially if you have a security clearance) or your ability to get a new job in the future.

We regularly defend debt collection lawsuits and can assist you in many ways. Though we cannot guarantee dismissal of the lawsuit, we can help to try and prevent a judgment from being issued against you and, as a result, help protect your wages, your bank account and your credit rating and keep your automobile insurance rates from being increased. As an example, sometimes a case can be dismissed because there is a technical defect in the case. This is something a non-lawyer would overlook or have no idea of its significance. Sometimes your case must be tried to a judge or a jury. We are familiar with the rules of evidence and procedures which are used at trial. A non-lawyer will not have knowledge of these rules.