If you ignore it:
- Default judgment
- Wage garnishment
- Bank levy
- Property lien
- Post-judgment interest
Ignoring is the fastest way to lose.
How Long Do I Have to Answer a Debt Lawsuit?
Typically:
- 20 days (some states)
- 30 days (others)
Count from date of service.
Missing the deadline risks default.
What to Expect in Court for a Debt Collection Lawsuit
Most first appearances are:
- Pretrial conferences
- Status hearings
- Settlement discussions
Trial rarely happens immediately.
Debt buyers rely on defaults and settlements.
Showing up changes the dynamic.
Can a Debt Buyer Sue Without Proof?
They can file.
But they cannot win without proof.
They must prove:
- Contract
- Balance
- Ownership
If documentation is missing, you may have strong defenses.
Can I Settle After a Debt Lawsuit Has Been Filed?
Yes.
In fact, filing an Answer often improves settlement terms.
Debt buyers may accept:
- Lump sum discounts
- Payment plans
- Dismissal upon payment
Never settle without written agreement.
What Happens After a Debt Collector Gets a Judgment?
With a judgment, they may:
- Garnish wages
- Levy bank accounts
- Place liens
- Conduct debtor exams
Judgments often last 10–20 years and can be renewed.
Can They Garnish My Wages for Credit Card Debt?
If they obtain a judgment:
Yes — subject to state limits.
Federal law generally caps garnishment at:
- 25% of disposable earnings
State law may provide additional protection.
Bankruptcy can stop garnishment.
Final Strategic Takeaway
Debt buyers rely on:
- Consumers ignoring lawsuits
- Consumers failing to respond
- Consumers admitting too much
When you:
- File an Answer
- Demand proof
- Challenge standing
- Preserve objections
You shift leverage.
