Typically, a collection lawsuit gives 30 days for the defendant to file a response with the court. In Georgia, when a collection lawsuit is filed against you, someone from the local sheriff’s office will drive out to your house and personally serve you or whoever answers the door.
A response to a collection lawsuit is an opportunity for you to dispute the validity or amount of the debt by requesting a hearing. To file a response, you should contact an attorney who practices in state court and get them to file a response to the collection lawsuit before a default judgment is entered against you. If you know that you owe the debt, the lawsuit will likely end in a judgment against you. In this situation, filing a response to the collection lawsuit is only going to delay the inevitable. If you owe the debt, call my office at 770-637-1756 for a free consultation, and let’s go over all of your options.
If you ignore a judgment, a creditor can obtain a garnishment against you to seize up to 25% of your net wages until the debt is paid. In addition to garnishing your wages, a creditor can also serve a garnishment to your bank and have those funds deducted from your bank account. Also, a creditor with a judgment against you can put a lien on your house. Liens on a house usually are not discovered until you try to sell your house and the closing attorney finds it. Nothing kills a real estate closing faster than an unsatisfied lien on your house. If you have a car that is paid for, they can put a lien on the title of the car.
Call me today at 770-637-1756.
NOTHING IN THIS PAGE SHOULD EVER BE CONSTRUED AS LEGAL ADVICE. IF YOU WANT FREE LEGAL ADVICE CALL ME AT 770-637-1756 AND SET UP A FREE CONSULTATION.
DISCLAIMER : The information contained on this page is for information only. It is not intended to be legal advice, nor should you make legal decisions based on this information. Please consult with me to see how the law applies to your particular situation. We are a debt relief agency. We help people obtain relief from their creditors by helping people file bankruptcy.