We understand many consumers feel that they do not need nor can they afford attorney representation defending their debt buyer lawsuit. They may feel that if they had the money they may have settled anyways. Once the lawsuit is filed it can be confusing and get much more expensive. It is important to be represented by a dedicated, knowledgeable legal team looking out for your best interests.

Settle the Lawsuit

$3,000 or less

$45000
  • Payment plan of 2 months allowed
  • Relay any possible settlement offers

$3,001 to 10,000

$65000
  • Payment plan of 3 months allowed
  • Relay any possible settlement offers

$10,001 to $25,000

95000
  • Payment plan of 4 months allowed
  • Relay any possible settlement offers

$25,001 or more

1500+
  • Payment plan of 10 months allowed
  • Relay any possible settlement offers

*In the State of Texas, cases filed in Justice of Peace courts the judge must approve the sending of discovery.

Cost to Answer and Fight

$3,000 or less

$75000
  • Payment plan of 6 months allowed
  • Attempt to send discovery*
  • Answer any discovery received
  • Potential to Depose Witnesses
  • Relay any possible settlement offers

$3,001 to 10,000

$95000
  • Payment plan of 6 months allowed
  • Attempt to send discovery*
  • Answer any discovery received
  • Potential to Depose Witnesses
  • Relay any possible settlement offers

$10,001 to $25,000

150000
  • Payment plan of 8 months allowed
  • Send discovery
  • Answer any discovery received
  • Potential to Depose Witnesses
  • Relay any possible settlement offers

$25,001 or more

250000+
  • Payment plan of 8 months allowed
  • Send discovery
  • Answer any discovery received
  • Potential to Depose Witnesses
  • Relay any possible settlement offers

What happens if I do not answer the lawsuit?

Many choose not to answer a debt buyer lawsuit. In that case, a defendant can expect to:

  • Lose the court case
  • Receive a default judgment: In Texas a judgment is good for 10 years. The debt buyer can renew the judgment and it can stay in public records for years. A judgment can prevent you from purchasing homes, cars and can even lead to deny of employment. ¬†Judgments increase in value as time passes due to judgments carrying a state minimum interest rate.
  • Garnish bank accounts: A judgment creditor may be able to garnish your bank account and take the money you keep in you bank account. Many individuals are forced into closing their bank accounts and converting all payments to cash. Judgment creditors also have the opportunity to apply for¬† receivership to take money out of your bank account as well.
  • Possibly be denied loans and employment: A judgment can prevent you from purchasing or selling a home. Employers may also deny you employment based on a judgment.