If you’ve been sued over a credit card, personal loan, or other debt, you’re probably feeling overwhelmed, anxious, or unsure of what to do next. You might be wondering:
- “Do I have to go to court?”
- “Can they take my wages or bank account?”
- “Is there anything I can do to fight this?”
The answer is yes—you have rights, and you may have strong legal defenses. At Ginsburg Law Group, PC, we help consumers fight back against debt collection lawsuits and abusive practices. This is called debt defense, and it may help you avoid judgments, protect your income, and regain control of your finances.
⚖️ What Is Debt Defense?
Debt defense is the process of legally responding to a collection lawsuit or demand for payment and challenging the creditor’s right to collect. Just because a company claims you owe money doesn’t mean they can prove it in court.
Debt buyers and collectors often file lawsuits without the necessary documentation, or they rely on intimidation to pressure consumers into default judgments.
Debt defense involves:
- Responding to the lawsuit in time to avoid default
- Demanding proof of the debt
- Challenging improper documentation
- Asserting legal defenses
- Negotiating favorable settlements
- Defending your rights in court
🧾 Common Types of Debt Lawsuits We Defend
We represent consumers sued for:
- Credit card debt
- Personal loans
- Medical bills
- Store cards and retail financing
- Old utility bills
- Repossessed vehicle deficiencies
- Debt buyer lawsuits (e.g., Midland Funding, Portfolio Recovery, Cavalry SPV)
🚨 What Happens If You Ignore the Lawsuit?
One of the biggest mistakes consumers make is ignoring the lawsuit. If you don’t respond by the deadline (usually 20–30 days after service), the court may enter a default judgment against you. That means the creditor can:
- Garnish your wages
- Freeze your bank accounts
- Place liens on your property
- Damage your credit further
Even if you think you owe the debt, you may have legal defenses that can reduce what you owe—or even eliminate the debt entirely.
🔍 Common Defenses in Debt Collection Cases
You may have strong legal defenses, including:
- Lack of documentation – The creditor can’t prove you owe the debt
- Statute of limitations – The debt is too old to collect in court
- Mistaken identity – You’re not the person who owes the debt
- Debt was already paid or settled
- Unauthorized charges or fraud
- Improper service of the lawsuit
- Debt discharged in bankruptcy
Many debt collection cases are dismissed because the creditor cannot prove its case.
🛠️ How an Attorney Can Help with Debt Defense
At Ginsburg Law Group, PC, we’ve helped countless consumers defend against debt lawsuits and collection abuse. Here’s how we help:
âś… Case Review & Strategy
We review the lawsuit, your credit reports, and any communication from the collector to identify your best legal options.
âś… Court Representation
We file all required responses, appear in court on your behalf, and defend your rights throughout the legal process.
âś… Settlement Negotiation
If appropriate, we negotiate settlements for less than the claimed amount, often with payment plans and no judgment on your record.
âś… Motion Practice
We file motions to dismiss, compel documentation, or challenge improper procedures.
âś… Judgment Relief
If you already have a judgment against you, we may be able to reopen the case, stop wage garnishment, or negotiate a resolution.
🧠What to Do If You’re Sued for a Debt
- Don’t ignore it – Failing to respond will lead to a judgment
- Check the deadline – You only have a short time to file an answer
- Gather your documents – Look for contracts, billing statements, payment records
- Don’t admit liability – Saying “I owe it” may waive your defenses
- Call a consumer attorney – Protect yourself before it’s too late
đź’Ľ Why Choose Ginsburg Law Group, PC?
- âś… Experienced in debt defense litigation and consumer law
- âś… We fight abusive debt buyers and collectors every day
- âś… Personalized strategies to match your financial goals
- âś… Flat fees and payment plans available
- âś… Compassionate, non-judgmental legal support
📞 You Don’t Have to Face Debt Collectors Alone
If you’re facing a debt collection lawsuit, time is critical. We can help you fight back, avoid judgments, and get your financial life back on track. Debt defense is not just about avoiding payment—it’s about enforcing your rights under the law.
Contact Ginsburg Law Group, PC today for a free consultation.
