Americans are dealing with record-breaking levels of debt. By the end of 2018, credit card debt had reached more than $800 billion. With that kind of financial burden, it’s no surprise that delinquency rates are also increasing. When you’re late paying a debt, creditors begin collection efforts. This can begin with collection calls or letters, but eventually, some might turn to litigation. If you are facing consumer litigation, Watson Law can help.

What Is Consumer Litigation?

Creditors have several options for collecting unsecured debts, such as personal loans, credit cards, medical debts and utility bills. If calling is ineffective, they send letters and notifications, and if that is ineffective, they will list the default on your credit report. That can lower your credit rating and affect your ability to get credit in the future. A default can also affect your interest rates and might even affect future job prospects. Consumer litigation is one final option, and while it’s rarely used, it’s a powerful tool because many consumers fail to fight for their rights.

Receiving a Summons

If you’re being sued by a creditor, you will first receive a summons. At this point, the case will proceed with or without your involvement, so you need to act quickly. With a skilled attorney at your side, you can build a strong case to protect your rights. At Watson Law, we will help you respond to the summons in a timely and appropriate manner. With the right strategy, you can protect your rights and your property and fight back.

There are several ways to fight against consumer litigation, including:

  • Failure to file within the statute of limitations
  • Failure to serve the complaint or summons appropriately
  • Lack of standing or improper documentation
  • Failure to credit payments appropriately

If you have no defense, the judge may issue a summary judgment, which means that you will be responsible for the debt. However, you can also negotiate a settlement. Settling might be in both your and the creditor’s best interests, which is why it is a common outcome of consumer litigation cases. Settling saves the creditor further court costs, and it reduces your debt burden.

You don’t have to face consumer litigation alone. Call Watson Law today to learn more or schedule a free case evaluation with our team.