Collection Defense
Answer the lawsuit. Protect your wages.
Most collection lawsuits are won by default — not because the creditor proved its case, but because nobody answered. Debt buyers frequently cannot produce the chain of assignment or account records the law requires. We file a timely response, force the plaintiff to prove what it claims, and negotiate from a far stronger position than silence ever creates.
What's included
Timely answer and appearance
The single most important step is responding before the deadline. Missing it hands the creditor a default judgment.
Standing and evidence challenges
We demand proof of ownership, assignment history, and an accurate accounting — often the weakest part of a debt buyer's file.
Garnishment and levy defense
Where a judgment already exists, we pursue exemptions, vacatur where available, and negotiated payoffs to stop enforcement.
Settlement on your terms
A defended case settles for less. We negotiate while the claim is actively contested, not after it has been conceded.
How it works
- 1Urgent review of the complaint and your response deadline
- 2Answer filed with all available defenses preserved
- 3Discovery demanding proof of the debt and standing
- 4Motion practice or negotiated resolution
- 5Dismissal, settlement, or trial — with you informed at each step