Louisiana Debt Defense Attorney

If you are have been served with a lawsuit by a creditor, debt collector, collection agency, or collection attorney, please fill out the information below, and a Louisiana consumer attorney will contact you within 24 to 72 hours.

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DEBT COLLECTION DEFENSE

WE DEFEND CONSUMERS IN DEBT COLLECTION LAWSUITS

Have you been sued by a creditor or debt collector? You may be asking yourself: How did the bill get so high? Who is this company suing me? Wasn't my credit limit lower than this?

You are not alone. Many consumers served with debt collection lawsuit have those very same questions. You have the right to force the debt collector to answer all your questions about an account.

Debt collectors often make claims they cannot back up. They very rarely have the documentation to back up their claims.

How do they make money? Many debt collection lawsuits go through the court system unopposed. The consumer does not respond to the lawsuit and the debt collector obtains a default judgment.

It is very important that you do not ignore a debt collection lawsuit. The bottom line is if you ignore the lawsuit, you lose. If you lose, the debt collector can get a judgment against you that allows them to garnish your wages and seize non-exempt assets. In Louisiana, a valid judgment is good for 10 years and can be renewed.

Do NOT ignore a debt collection lawsuit. Even if you feel you may owe the debt, you may have defenses to paying the debt. Many times the debt collector is suing on debts that are several years old and prescribed (beyond the statute of limitations). Other times, the debt collector cannot prove what they claim they can prove.

Debt collectors make a lot of money on consumers who ignore lawsuits. Do NOT be one of them.

We are experienced in defending against debt collection lawsuits and forcing debt collectors to prove you legally owe the debt they are suing on.

Disclaimer: The information contained on this website is not, not is it intended to be legal advice. Your should consult with an attorney regarding your individual legal situation. Submitting information to us through the form the left does not create an attorney-client relationship.

FIGHT BACK AGAINST DEBT COLLECTION LAWSUITS

You only have 10 to 15 days to file a formal written response to the lawsuit against you unless you receive a written extension from the judge.

Ignoring the lawsuit will not make it go away.

You have a right to force the debt collector to prove you legally owe the debt.

By ignoring the lawsuit, on most occasions, you give up the right to force a debt collector to prove you legally owe the debt.

If you do not file a written response to the lawsuit, the debt collector will obtain a judgment against you.

After obtaining a judgment, the debt collector can garnish up to 25% of your wages.

After obtaining a judgment, the debt collector can seize any non-exempt assets and have them sold to satisfy the judgment.

If you have been sued, fill out the form above to see if we can help!

SERVED WITH A LAWSUIT?		WHAT HAPPENS IF I IGNORE THE LAWSUIT?
Generally, a creditor has three (3) years to file a lawsuit after the last charge or payment on an open account, including credit cards. In some limited circumstances, they may have five (5) years. By the time you have been sued, you have likely been subjected to months, if not years, of constant phone calls, collection letters, and in some cases, visits to your home or job. At times, the debt is prescribed (beyond the statute of limitations) and you no longer legally owe the debt. It is also becoming increasingly common for consumers to be sued by debt collectors they never heard of on accounts the consumer does not even remember having. There is a whole class of debt collectors that file suit and often they cannot prove you legally owed the debt. They file a lawsuit in hopes you do not respond so they can get a default judgment and garnish your wages to get paid on debts you may not legally owe. When you are served with a lawsuit, it is important that you file a response within the time delays allowed by law. You have the right to force the debt collector to prove you legally owed the debt.		If you ignore a debt collection lawsuit the following can happen to you: The debt collector can obtain a judgment against you without you making them prove the amount they claim you owe. After obtaining a judgment, a debt collector can garnish your wages. In Louisiana, they can garnish up to 25% of you wages. After obtaining a judgment, a debt collector can seize bank accounts. The debt collector can basically empty your bank accounts. After obtaining a judgment, a debt collector can seize non-exempt assets and have them sold to satisfy the judgment. As you can see, it is very important that you do not ignore a debt collection lawsuit. You have a very limited amount of time to file a written response to the lawsuit filed against you. We have seen lawsuits for $1,300.00 snowball into alleged $3,000.00 obligations. Do not risk your property and wages. If you have been served with a lawsuit from a creditor or debt collector, please fill out the information above, and an attorney will contact you within 24 to 72 hours.
We are a Debt Relief Agency. In addition to protecting the rights of consumers, we help people file for Bankruptcy relief.		Let us assist you with any problem or issue you may be having with any of your creditors.

A Division of The Louque Law Firm, LLC, 206 West Seventh Street, Thibodaux, Louisiana 70301