Defending Lawsuits By Creditors FAQ
Question: I have been served with a lawsuit and I am scared. What do I do?
Answer: Contact us immediately. You have 20 days to file and answer or the court can award a default judgment against you.
Question: I was thinking of filing an answer on my own after researching how to do this on the internet but should I?
Answer: You can do this on you own but we highly recommend consulting an attorney first. You may unknowingly admit to things that you did not have to do and then the judge can grant a judgment against you without a trial. You also cannot lie to the court because this could get you in trouble criminally.
Question: I agree I owe some money but what they claim I owe is wrong.
Answer: We have found creditors often charge usurious interest rates that are in violation of Florida law.
Question: Is there a statute of limitations on how long they can sue me for?
Answer: Yes, but it depends on which credit card company is suing you. The time period generally varies from 2 years to 6 years depending on the card you had.
Question: If they get a judgment, what happens next?
Answer: This is very serious. They can garnish your wages, up to 25% of your paycheck. They can freeze your bank accounts and take all the money until their debt is paid in full. They can take your car or other property. A judgment can be enforced for 20 years so this will not go away.
Our Miami-Dade office is conveniently located in the Coconut Grove and Coral Gables area of Miami, just off US-1 and Coral Way and our Fort Lauderdale-Broward County office is conveniently located in just off Commercial Boulevard, between 441 and I-95. Call 1-877-310-9444 now for a free consultation with an attorney, not a paralegal.
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