If a debt collector sues you, the worst thing you can do is ignore it. The suit won’t go away. Fight back. Get help. To learn about the lawsuit process, watch these educational videos. These videos explain how a debt collection suit works, possible defenses, and bad stuff that might happen if you don’t deal with it.

There are effective ways to deal with debt-collection lawsuits. At Cross Stone Law, we do NOT handle state court debt collection cases. But we will help you determine whether bankruptcy is an option for you to think about. If you have more debt than you can pay or just need more time to pay, bankruptcy may be a wise choice. Chapter 7 bankruptcy can wipe out most “unsecured” debt, such as credit cards, medical, signature loans, and auto loan repo debt. You do have to qualify for Chapter 7 bankruptcy. If bankruptcy is not a good option for you, defending and/or settling the lawsuit is the way to go.

If a debt collector has already sued you, look at our page on judgments to learn more.