Defend Yourself When a Creditor Files Suit

Alpha Omega Law Firm, LLC provides consumer debt defense and creditor negotiation services in Chadds Ford, Pennsylvania.

When a creditor or collection agency files a lawsuit against you in Chadds Ford, the complaint includes a claim that you owe a specific amount and a request for judgment that allows them to garnish your wages or place a lien on your property. Ignoring the lawsuit results in a default judgment, which gives the creditor immediate enforcement power without requiring them to prove the debt is valid or that the amount is correct. Alpha Omega Law Firm, LLC represents consumers in debt defense cases, challenging the creditor's claims, negotiating settlements, and protecting your rights throughout the collection process.

The firm reviews the complaint and all supporting documents to determine whether the creditor has standing to sue, whether the debt is past the statute of limitations, and whether the amount claimed is accurate. Representation includes filing an answer to prevent default, requesting verification of the debt, and negotiating with the creditor or their attorney to settle the matter for less than the claimed amount. If the creditor refuses to negotiate or cannot prove the debt, the firm defends the case in court and challenges their right to collect.

If you have been served with a collection lawsuit in Chadds Ford, contact Alpha Omega Law Firm, LLC to review your options before the deadline to respond passes.

What Happens After You Retain Debt Defense Representation

When you hire Alpha Omega Law Firm, LLC to defend a debt collection case in Chadds Ford, the attorney files an answer with the court to prevent a default judgment and begins the process of investigating the creditor's claim. You receive a copy of all documents filed on your behalf and a clear explanation of what the creditor must prove to win the case.

After the answer is filed, the creditor must provide documentation showing they own the debt, that the amount is correct, and that you are the person responsible for it. Many collection cases are dismissed or settled when the creditor cannot produce the required proof.

The firm negotiates settlements that reduce the balance, eliminate interest and fees, and set up payment terms you can afford. If the creditor has already obtained a judgment and is attempting to garnish your wages or freeze your bank account, the firm files motions to challenge the garnishment or negotiate a resolution. The goal is to stop collection activity and resolve the debt without allowing the creditor to seize your income or assets.

Common Concerns in Debt Defense Cases

Clients often ask what happens if they cannot afford to pay the full amount, whether they can stop a garnishment once it starts, and how long they have to respond to a lawsuit.

Alpha Omega Law Firm, LLC represents consumers in Chadds Ford who are facing debt collection lawsuits, garnishment actions, and creditor harassment. If you need to defend a collection case or negotiate a settlement, call (610) 222-6122 to discuss your situation.

What is the deadline to respond to a debt collection lawsuit?
You typically have 20 to 30 days from the date you were served to file an answer with the court. Missing this deadline results in a default judgment, which allows the creditor to begin garnishment or lien proceedings without proving the debt is valid.
How does the firm challenge a creditor's claim?
The attorney requests documentation showing the creditor owns the debt, that the amount is accurate, and that the statute of limitations has not expired. If the creditor cannot provide this proof, the case may be dismissed or settled for a reduced amount.
What happens if a judgment has already been entered?
The attorney can file a motion to open or vacate the judgment if you were not properly served or if there are grounds to challenge the creditor's claim. If the judgment stands, the firm negotiates a payment plan or settlement to stop garnishment or lien activity.
How does wage garnishment work in Pennsylvania?
A creditor with a judgment can garnish up to 25 percent of your disposable income, or the amount by which your income exceeds 30 times the federal minimum wage, whichever is less. The firm can challenge the garnishment if it exceeds legal limits or if you qualify for an exemption.
What if I cannot afford to pay the full settlement amount?
The attorney negotiates payment plans that spread the settlement over several months or longer, depending on what you can afford. Many creditors accept reduced lump sum payments or monthly installments to avoid continued litigation.