Debt Lawsuits

Sued over a debt in California?

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Debt Buyers that File Lawsuits in California

  • Absolute Investments LLC
  • Absolute Resolutions, LLC
  • Absolute Resolutions Investments LLC
  • Arrow Financial Services
  • Asset Acceptance LLC
  • Atlantic Credit and Finance Inc.
  • Autovest LLC
  • CACH LLC
  • Cavalry Portfolio Services
  • Cavalry SPV I
  • Credit Corp Solutions
  • Crown Asset Management LLC
  • Dodeka LLC
  • Equable Ascent Financial LLC
  • Galaxy International Purchasing LLC
  • Grassy Sprain Group Inc.
  • Harvest Credit Management LLC
  • Hudson and Keyes LLC
  • Investment Retrievers
  • Jefferson Capital LLC
  • JH Portfolio Debt Equities, LLC
  • JHPDE
  • Lutea LLC
  • LVNV Funding LLC
  • Midland Credit Management Inc
  • Midland Funding LLC
  • Mountain Lion Acquisitions Inc
  • National Collegiate Student Loan Trust
  • NCEP LLC
  • Northstar Capital Acquisition
  • Pallida LLC
  • Persolve Legal Group
  • Persolve Recoveries
  • Pharia LLC
  • Portfolio Recovery Associates
  • The Best Service Co Inc
  • Sequoia Concepts Inc
  • SFM -6 LLC
  • Sweeny Financial Management
  • TBF Financial I LLC
  • Troy Capital LLC
  • UHG I, LLC
  • Unifund CCR Partners
  • Velocity Investments, LLC

Creditors that File Lawsuits in California

  • American Express
  • Bank of America
  • Barclays Bank Delaware
  • Branch Banking & Trust (BB&T)
  • Capital One Bank
  • CIG Financial LLC
  • Citibank, N.A
  • Citizen’s Bank, N.A.
  • JP Morgan Chase Bank
  • Discover Bank
  • Educap, Inc
  • First Technology Federal Credit Union
  • FIA Card Services
  • Ford Motor Company LLC
  • Forsythe Finance LLC
  • Gaia Finance, LLC
  • Goldman Sachs
  • LA Financial Federal Credit Union
  • LoanNow LLC
  • Lobel Financial Corporation
  • Merrick Bank
  • Nuvision Federal
  • OneMain Financial
  • Provident Credit Union
  • Redwood Credit Union
  • SchoolsFirst Federal Credit Union
  • Shenandoah Funding Trust
  • Star One Credit Union
  • Student Loan Solutions
  • Synchrony Bank
  • Target National Bank
  • TD Auto Finance, LLC
  • TD Bank USA
  • The Golden 1 Credit Union
  • Unify Financial Federal Credit Union
  • Wells Fargo Bank

Can they file a lawsuit over a debt?

Yes. Creditors and debt buyers can sue consumers that default on balances to them.  They want their money back.  Really. They are counting on the fact that you will not respond or show up to court. If you do not then they may take a default judgment against you. In California, a judgment can be aggressively collected for ten (10) years and even longer if they keep renewing the judgment. This gives a creditor a long time in which to come after you. Many consumers think that a judgment is just a worthless piece of paper. They think that they can be forced to pay in California. They are wrong.

After taking a judgment against you, they can:

What are my options when being sued over a debt in California?

If you have been sued then you need to answer the lawsuit. Participants in the system often have a better outcome than those that do nothing. Some of the options that you have are to:

  • Attempt to Negotiate a settlement with the creditor  before the answer is due. Many consumers recognize they may owe a debt and choose to attempt to settle the debt before an answer is due to the court. The creditor is often receptive to a quick settlement rather than spending more time and money in a lawsuit. Even if they can provide some of the documentation to the court, there is always a chance they could lose.
  • Answer the Lawsuit filed by the creditor. Even if a consumer thinks they owe a debt it is still up to the creditor to prove that they own the debt, have the right to file suit, and have enough documentation to prove a debt is owed. They may not be able to successfully produce all required documentation when challenged.
  • Do nothing. Many people decide to do nothing for lack of funds or fear of what can happen. The creditor may take a judgment against them and then ultimately have their bank accounts frozen (bank garnishment). Judgments in California are good for 10 years initially and they carry a minimum interest of 10%. The amount of an unresolved judgment can significantly increase over time.
  • Seek bankruptcy protection. Our law firm does help clients file bankruptcy. If you are interested in seeing if bankruptcy is right for you visit our site California Bankruptcy Attorney

The best time to take care of a lawsuit is NOW. It can potentially get more costly and worse.

Cost to Settle a Debt Lawsuit

Up to $3,000

$55000flat fee
  • (up to 2 payments)
  • Settle the Lawsuit before Answer is Due

$3,000 to $10,000

$75000flat fee
  • (up to 3 payments)
  • Settle the Lawsuit before Answer is Due

$10,000 to $25,000

125000flat fee
  • (up to 5 payments)
  • Settle the Lawsuit before Answer is Due

$25,000 to $40,000

175000flat fee
  • (up to 5 payments)
  • Settle the Lawsuit before Answer is Due

Cost to Answer and Fight a Debt Lawsuit

Up to $3,000

$55000flat fee
  • (up to 2 payments)
  • Settle the Lawsuit before Answer is Due

$3,000 to $10,000

$75000flat fee
  • (up to 3 payments)
  • Settle the Lawsuit before Answer is Due

$10,000 to $25,000

125000flat fee
  • (up to 5 payments)
  • Settle the Lawsuit before Answer is Due

$25,000 to $40,000

175000flat fee
  • (up to 5 payments)
  • Settle the Lawsuit before Answer is Due

What happens if I do not answer the lawsuit?

  • Many choose not to answer a debt lawsuit. In that case, a defendant (you) can expect to:
    • Possibly lose the court case.
    • Receive a default judgment In California judgments automatically are good for 20 years. They can renew the judgment and it can stay in public records for a long time. A judgment can prevent you from purchasing homes and cars and an employer may deny employment. Judgments do keep increasing in value. They carry a state minimum interest rate that judgment creditors often calculate.
    • Garnish bank accounts A judgment creditor may be able to garnish your bank account and take the money you do keep in it. Many are forced into closing their bank accounts and converting all payments to cash.
    • Possibly be denied loans and employment A judgment can prevent you from purchasing homes and cars and an employer may deny employment.