Consumer Litigation

Meadowbrook Legal Group – Consumer Litigation

Creditors have several alternatives when it comes to collecting debts. At the outset, they may start with threatening letters and emails along with endless phone calls. However, after multiple attempts and if other options available to them are not successful in collecting on the debt, there is the option of consumer debt litigation which means they will see you in court.

When they go down this path you will receive a summons notifying you that legal action is being taken. This is serious but you need to keep in mind that you are not in a unique situation. Currently, an estimated 30 million Americans are encountering consumer litigation actions against them. Meadowbrook Legal Group can help protect your rights and defend you in court.

Defending against Consumer Litigation

When you are served a summons advising you of pending litigation by a creditor you must not ignore it. This is an official court document in which your responsibilities and obligations are explained. Failing to respond and take appropriate actions will not delay or stop the process and the case against you will move forward.

To ensure your rights are defended you should work with an experienced lawyer for representation and Meadowbrook Legal Group has a skilled team available to assist you. We will consult with you about your case and evaluate your situation to determine the best defense which could include building a defense around:

  • The Statute of Limitations. This statute sets time frames in which a creditor must file suit against you in regard to your debt.
  • Lack of Standing. There must be a direct relationship between the creditor and you regarding your debt.
  • Failure to Credit Payment. The balance history of your debt must be documented to show all transactions on the account including payments and missed payments which have resulted in the outstanding debt.
  • Improper Service. If the creditor has not served you notice correctly, as outlined by the rules of the state your case is being litigated in, you may be able to fight any judgement and have it vacated.

 

Consumer Litigation: Other Options

If we review your situation and it is determined that you do not have a defense you can mount versus the litigation you still have alternatives available. These include acknowledging the debt or agreeing to a settlement out of court. If you decide to settle, our lawyers will work to negotiate the best conditions possible on your behalf.

Creditors can litigate over practically any type of consumer debt, including medical bills, credit card debts, personal loans, and auto loans. There are currently cases pending by creditors for every type of debt, so your situation is not unique. Call Meadowbrook Legal Group now and our team will work to accomplish the most favorable outcome possible for your case.