Please note that we do not take consumers that are being sued for debt unless they are being sued for accounts that are not theirs. This includes files where the consumer is:

– The victim of ID Theft or Fraud.

– Their file is mixed or merged with someone else’s.

– Their file lists them as deceased.

– Files where the consumer can demonstrate that the debt was previously settled (with documentation).

– Files where the consumer can prove that debt was included in a bankruptcy. 

– Basically files where it’s provable that the consumer doesn’t owe that debt. 

If any of these describes you, please contact us immediately.

If you are being sued for debt that IS yours, please note that we are primarily an offensive law firm, and therefore cannot help you with this situation.

We recommend the following:

Go to the NACA Find an Attorney Website by clicking here, Filter by your State, and then Filter by Area of Practice “Debt Collection –> Debt Defense.” This is where you should start for trying to find an attorney that can help you. 

ALSO search local legal aid (Google the one in your home County).

If you are unable to find someone that can help you (this might happen), our best advice is to call the other side to try to settle the debt. Get the lowest possible payment amount they will accept, whether it’s a one-time, up-front, small lump sum, or the lowest monthly payments they will accept. When you get this agreement, it should stop the case and stop the garnishment. 

Once the lawsuit is over, come back here 2 months later and contact us to let us know. Credit reporting is almost always done incorrectly after these lawsuits and we can sue on your behalf to fix the credit reporting a few months later (this means 100% fixed credit reports [including other problems your reports may have] PLUS money in your pocket!).

And don’t forget we are a contingency-fee based law firm, which means there are no out-of-pocket fees or costs to you at all.