

Suppose a creditor files a lawsuit against you. In that case, your decision to retain a lawyer in defense against the complaint depends on the ability of the debt collector to show that it can prove its claim against you, how much it will cost to defend the lawsuit, and if the creditor will be able to collect money from you.
Think about the when deciding whether to engage legal counsel to defend you against a creditor’s lawsuit
When a creditor sues you to collect a debt, you have a few options in dealing with the complaint:
If you owe the money that the debt collector or creditor is seeking in its lawsuit, hiring a debt defense lawyer can help you negotiate a better settlement.
Hiring a debt defense lawyer to represent you in court makes sense if you have a valid defense to the lawsuit or a valid counterclaim.
Hiring a debt defense lawyer will ensure that you have the best information available to defend the suit and may save you money in the long run.
Generally, a legal defense is a reason why the plaintiff’s action should not be successful. In terms of a debt collection case, it is the reason why the plaintiff failed to prove its case or why you do not owe the money.
A counterclaim is a claim for damages filed against an opposing party after the original claim was filed.
Filing a counterclaim might also persuade the creditor to dismiss the lawsuit.
Although you may have a valid defense to the lawsuit, you will want to consider the cost of hiring an attorney. Attorney’s fees can add up quickly.
After the judgment is entered, post-judgment interest will accrue over the judgment amount until the judgment is satisfied. You may be liable for a sum that is hundreds or even thousands of dollars more than the initial debt, so it could be worthwhile to hire an attorney to help settle the debt for an acceptable amount.
Contact Diwan Law to receive a no-cost consultation if you are unsure about your legal rights. As an experienced debt defense lawyer, Diwan Law can assist you in evaluating the creditor’s claim and your circumstances to determine the most appropriate course for you.
If you’re facing a situation that involves a consumer transaction and you feel that the company is taking advantage of you, call Diwan Law. Diwan law represents clients with consumer law issues.
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