Debt Collection Defense

Articles in this category explain how to respond to debt collectors and collection lawsuits, including your rights under federal and state law, disputing or validating debts, negotiating settlements, and raising common defenses such as improper service, expired statutes of limitations, or incorrect account records. It also covers stopping harassment, dealing with wage garnishment and bank levies, and protecting exempt income and property.

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Your First Steps After a Debt Collection Lawsuit: A Practical Checklist to Protect Your Rights and Avoid Default Judgment

April 30, 2026 • By Guest Post

If you’re sued by a debt collector, you typically have about 14–30 days (depending on your state) to file a written Answer and avoid a default judgment. Ignoring the summons can let the collector win automatically and pursue tools like wage garnishment or bank account levies. This article walks you through a practical checklist—reviewing the […]