Don’t Turn A Blind Eye To Your Lawsuit
Many clients turn to bankruptcy when they have received a credit card lawsuit. Unfortunately, many clients also ignore their lawsuit, and some even throw away the summons and all documents pertaining to the case. These clients come into my office without any documents, not even a case number, and just say they think they’ve been sued 4 or 5 times, but they’re not really sure. After some research we can pull together some case numbers and contact information for the creditor and their attorney, but the amount of the default judgment coupled with collection costs can be tremendous. This is the cost of ignoring your lawsuits.
It’s natural to avoid reminders of your debt. Many clients throw away their bills, but it’s very different to throw away your summons, complaint, and documents pertaining to a lawsuit. If you ignore a lawsuit it will shortly turn into a default judgment. With the default judgment and writ of execution in hand the creditor will proceed to garnish the debtor’s wages, levy on bank accounts, and record an abstract of judgment.
Instead of ignoring a pending lawsuit take action and seek bankruptcy counsel. With a timely filed bankruptcy petition your attorney can stop the lawsuit before it results in a default judgment and collection efforts. You will save your wages from garnishment and your bank account from levy. Your debt can be eliminated in chapter 7 bankruptcy and the creditor will be prohibited from taking any further collection action against you on the discharged debt. In so many words, you can prevent the lawsuit from continuing by seeking bankruptcy assistance as soon as you receive the summons by personal service.