Debt Defense
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What Is a Creditor-Debtor Lawsuit —
And How Can a Law Firm Help You Defend Yourself?
If you’ve been served with a lawsuit by a credit card company, bank, debt buyer, or collection agency, you’re not alone—and you’re not powerless. Every day, consumers across the country are sued for debts they may not fully recognize, understand, or legally owe. The most important thing you can do is not ignore it.
At Ginsburg Law Group, PC, we help individuals just like you fight back against creditor lawsuits and protect their rights. Here’s what you need to know about creditor-debtor lawsuits—and how we can help you defend yourself.
What Is a Creditor-Debtor Lawsuit?
A creditor-debtor lawsuit is a legal action filed by a company (usually a creditor, lender, or debt collector) who claims you owe them money. These suits are often based on:
Unpaid credit card debt
Personal loans
Medical bills
Auto loans
Old utility bills
Debt bought by a debt buyer or collection agency
The goal of the lawsuit is simple: to get a court judgment against you so they can collect through wage garnishment, bank levies, or liens.
Who Is Suing Me—and Why?
You might be sued by:
The original creditor (like a credit card company or bank)
A third-party debt buyer (who purchased the debt for pennies on the dollar)
A law firm representing the creditor
In many cases, the plaintiff has little or incomplete documentation. That means they may not have enough evidence to prove the debt is valid, that you owe it, or that the amount is correct.
What Happens If I Ignore the Lawsuit?
Ignoring a debt lawsuit is one of the biggest mistakes a consumer can make. If you don’t respond in time, the court may enter a default judgment against you. That can result in:
Wage garnishment
Bank account freezes
Property liens
Damage to your credit report
Accrued interest and legal fees
Once a judgment is entered, it becomes much harder to resolve the case on favorable terms. You lose valuable defenses—and options.
How a Law Firm Can Help You Defend a Creditor Lawsuit
At Ginsburg Law Group, PC, we offer strategic, personalized defense to consumers facing creditor lawsuits. Here’s how we can help:
✅ Analyze the Complaint
We carefully review the lawsuit to identify weaknesses in the creditor’s claims—such as lack of documentation, improper service, or lawsuits filed after the statute of limitations has expired.
✅ Respond to the Lawsuit
We prepare and file a formal Answer, Notice of Intent to Defend, or Motion to Dismiss to prevent a default judgment and begin building your defense.
✅ Challenge the Creditor’s Evidence
Debt buyers often rely on spreadsheets or vague affidavits to prove their case. We demand the original contract, payment history, chain of ownership, and more. If they can’t provide the required evidence, you may win.
✅ Represent You in Court
We handle court appearances, negotiate with opposing counsel, and fight for your best outcome—whether that’s dismissal, settlement, or trial.
✅ Negotiate Settlements
If settlement makes sense, we negotiate on your behalf for lower balances, reduced interest, or structured payments—on terms you can afford.
✅ Protect Your Rights
We make sure the creditor follows the law and does not violate your rights under the Fair Debt Collection Practices Act (FDCPA) or state consumer protection laws.
Do I Have Any Defenses?
Yes. Many consumers have valid legal defenses to debt lawsuits. These may include:
Statute of limitations has expired
Lack of standing (the plaintiff can’t prove they own the debt)
Mistaken identity or identity theft
Debt already paid or settled
Unlawful or excessive fees or interest
Improper service of process
Even if you owe some money, that doesn’t mean the lawsuit is valid or that the creditor is entitled to everything they’re asking for.
What If I Already Have a Judgment Against Me?
Even if a judgment has already been entered, you may still have options. We can help you:
Challenge or vacate the judgment (if it was entered improperly or without notice)
Negotiate a settlement or payment plan
Protect your income and assets from aggressive collection efforts
Explore bankruptcy alternatives if the debt is unmanageable
Why Choose Ginsburg Law Group, PC?
✅ We focus on consumer protection and debt defense
✅ We understand how creditors operate—and how to fight them
✅ We treat every client with compassion, dignity, and respect
✅ We offer affordable legal solutions with flexible payment options
✅ We fight for dismissals, settlements, and second chances
Take the First Step—Before It’s Too Late
Being sued for a debt is stressful—but it’s not the end of the road. You have rights, defenses, and options. With the right legal help, you can take control of your case and your future.
Are you a debt resolution company in need of legal representation for your clients or compliance assistance? CLICK HERE to learn about the services we provide to debt resolution companies and their clients.
We currently represent clients in PA, NJ, MD, FL, TN, TX, CA, AZ, and WY.
Contact us: debtdefense@ginsburglawgroup.com
We work with most major legal services and legal insurance plans. Most will cover your legal fees for debt defense matters. Give us a call today to see if your matter is covered!
CLIENT RESOURCES
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Case Information (Court Dockets): CLICK HERE
Resources to Assist with Dealing with Debt: CLICK HERE
Frequently Asked Questions: CLICK HERE
LEARN ABOUT THE PROCESS
Prepare for Alternative Dispute Resolution: CLICK HERE
Understanding the Discovery Process: CLICK HERE
General Hearing Information: CLICK HERE
Prepare for Your Trial: CLICK HERE
Understanding Motions for Summary Judgment: CLICK HERE
DEBT DEFENSE TEAM
AMY GINSBURG – aginsburg@ginsburglawgroup.com
Attorney
LISA SHUTTLE – lshuttle@ginsburglawgroup.com
Team Manager
JENNIFER DEAKYNE – jdeakyne@ginsburglawgroup.com
Assistant Team Manager
MELANIE PANASIUK – mpanasiuk@ginsburglawgroup.com
Answers
SHANNON BELLFIELD – sbellfield@ginsburglawgroup.com
Daily Calendar and Settlements
DHAZZLE SILOY – dsiloy@ginsburglawgroup.com
Settlements
ALESSANDRO SORIANO – asoriano@ginsburglawgroup.com
Client Liaison and Settlements
MARC ACACIO – macacio@ginsburglawgroup.com
Discovery and Motions
KYSER JALANDONI – kjalandoni@ginsburglawgroup.com
Settlements
AURA IBALE – aibale@ginsburglawgroup.com
Settlements
LEOBARDO MAURICO – lmauricio@ginsburglawgroup.com
Client Liaison (Spanish)
APPLE ROSAL – arosal@ginsburglawgroup.com
Client Liaison
TEAM INFORMATION – CLICK HERE
