Act now or lose by default
Served Debt Collection Papers? Here's Exactly What to Do — and You Have 30 Days to Do It.
Every year, more than 70% of people sued by debt collectors lose — not because they owe the money, but because they didn't respond in time. If you were just served, your clock is already running.
Being sued doesn't mean you've lost. Most people don't know they have real options — but only if they act before the deadline passes.
Miss your response window and a court can automatically rule against you — handing collectors the power to garnish wages and freeze accounts without a hearing.
Your response window is on the summons. Set a phone alarm immediately.
Silence is a legal asset. Any call can be used against you or reset the statute of limitations.
3–6+ years since your last payment? The debt may be time-barred — a complete legal defense.
Many are free. A 30-minute call can uncover defenses you didn't know you had.
Debt buyers often can't prove they legally own the debt or that the balance is accurate.
This single step blocks a default judgment. Courts often have free self-help forms.
After filing, most cases settle — often for 40–60 cents on the dollar. Always get it in writing.
Your next move
Debt audit from a debt defense attorney
Before you respond to anything, get a professional review across these 5 areas:
General information only — not legal advice. Deadlines vary by state. Consult a licensed attorney for guidance specific to your situation.