Is it Worth it to Defend a Debt Collection Case?

Bankruptcy Lawyer

Here is another very important question.  You think you have some defenses to the collection case brought against you.  You want to try to reach a settlement or pay

ment plan, but the other side is being unreasonable.  Is it worth the time, and money to defend the case?

Here is the question:  What can I do to prep for court on Jan. 2.  (Docs, research, strategy).  I am being sued for a credit card and want to try to get a good monthly settlement.

-Can I file an “answer” instead of appearing? 

My answer:  

Call a bankruptcy lawyer right away to discuss your options. If this is your only debt, it may or may not be worth it to file for bankruptcy. However, by the time you spend money on defending yourself, you may be better off with bankruptcy, which will eliminate the debt, if you qualify. Also, even defending the claim will not guarantee that you win or can get a better settlement. 

If you have other debts as well, bankruptcy may be best way to go. Bottom line, call and set up an appointment with a Bankruptcy lawyer in your area to review your options.

Here, this person is trying to figure out legal strategies and defenses.  Those things are best done by an attorney, and, with few exceptions, the defenses aren’t enough to stop the court from entering the judgment and the creditor from garnishing wages.
Daniel J. Winter
BankruptcyLawChicago.com
djw@DWinterLaw.com
Offices in Chicago, Gurnee, Oak Lawn, and Skokie, IL
312-789-9999