Debt Buyer Lawsuit Defense

Thousands of debt buyer collection lawsuits are filed every year in Pennsylvania.  The purpose behind these lawsuits is obvious - to get you to pay the debt buyer.  Too often, people ignore these lawsuits or quickly call the debt buyer to work out a payment plan, even if that payment plan is not affordable in the long run.  What many people don't realize is that they have a good chance of getting the lawsuit dismissed by the court or having the debt buyer stop the lawsuit without paying anything to the debt buyer.  You are probably skeptical about this debt relief option, but we have helped hundreds of people in Pennsylvania win when debt buyers have sued them.  


When debt buyers file collection lawsuits, they are required to meet certain procedural and evidentiary standards.  They cannot merely claim that you owe a debt to them.  When you timely raise the proper legal challenges, the debt buyer is forced to prove its case.  But if you fail to challenge the collection lawsuit in the proper timeframe, the debt buyer wins automatically. 


If you let the debt buyer win automatically, a court judgment is entered against you.  Once the judgment is entered, the debt buyer will have other collection methods besides harassing phone calls and letters. A judgment may allow the debt buyer to place a lien against your home, sell certain personal property, freeze your bank account and the judgment will appear on your credit report for at least 7 years.  


Most people will ignore these lawsuits out of frustration, fear, or embarrassment.  Other people will quickly call the debt buyer to work out a deal, forgetting why they were unable to pay the debt in the first place.  Both of these decisions are wrong because they are based on emotion, which is exactly what the debt buyer is hoping for.


What the debt buyer doesn't want you to do is contact an experienced consumer rights attorney.  Contact EDF Law because we have the experience and knowledge to help expose the lawsuit's defects and raise real defenses to obtain a dismissal.


But we don't stop there.  We can also help you after the lawsuit is dismissed.  To find out what happens after the dismissal of the collection lawsuit and how we can continue to help you at no additional cost, please contact us.

If I want to hire an attorney, are the fees expensive?

Our fees to repesent you in any collection lawsuit will depend on a few factors that we can discuss during your free consultation.  Our fees are based on a flat rate with no hidden or additional fees. 


At EDF Law, we offer competitive rates and affordable payment plans that fit most budgets.  We understand this may be a difficult time for you and the last thing you need is to over pay for legal fees.


If the debt buyer lawsuit is a violation of consumer law, we will represent you for free and demand monetary damages & attorney's fees directly from the debt buyer.  In such cases, you will receive up to $1,000.00 for the violation plus actual damages when the debt buyer breaks the law.  To find out if the debt buyer lawsuit filed against you is a violation, contact us.

Will I have to go to court?

That will depend on how you handle the debt buyer lawsuit.  If you elect to represent yourself, you will have to go to court to defend yourself against the claims.  Although there is no guarantee you will not have to appear in court when you hire an attorney, our experience is you will not have to go to court and, if you hire us, we will go on your behalf.  


By hiring us, you will avoid the inconvenience of calling off work and the stress of appearing in court.  The debt buyer has trained attorneys representing it, and so should you.

What if I have more debt problems than just this debt buyer lawsuit?

If your debt problems include more that this debt buyer lawsuit, you may want to consider bankruptcy.  Bankruptcy may be the better option because it includes all of your debts and the discharge will provide you an overall fresh start.  Bankruptcy may also be the cheaper option when taking into consideration the possibility of multiple collection lawsuits.  When consulting with a debt relief professional, we find it more advantageous to seek the advice of an attorney that offers a range of debt relief services.  Attorneys that only offer one type of debt relief have a financial incentive to promote that option and wrongly attack other options.  At EDF Law, we are a true full service debt relief office that can explore all of your options.  We have the knowledge and experience to help you by utilitzing different types of debt relief that will fit your personal situation and budget.


Visit our Chapter 7 bankruptcy page or Chapter 13 bankruptcy page for more information.

Please reload

Collection Judgments May Result In:


A lien against your house, making it difficult to sell or refinance



The sale of your personal property, including your vehicle & household furnishings



A bank account garnishment freezing your account



A negative effect on your credit report for years






Past experience and/or success cannot serve as a guarantee of certain outcomes.