Many choose not to answer a lawsuit. If you do not participate in the process you have a greater chance of losing. Even if you do think you might owe the debt, the burden of proof is still on the Debt Buyer / Creditor. They must prove in a court of law that you owe the debt based on Civil Rules of Procedure and Texas Finance Code. They may or may not be able to prove you owe the debt.
Answering the lawsuit protects your legal rights. Answering a lawsuit gives you more options as to how the case against you is going to proceed. It determines the out come and the results of what is going to happen to you.
We do not recommend that you attempt to dodge lawsuit service. It will usually only delay the process but not stop it all together. The lawsuit may continue with or without you.
If an answer is not filed in a case, a Defendant can expect to:
- Lose the court case.
- Receive a default judgment In Texas judgments automatically are good for 10 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.
Low Cost or Free Legal Representation:
Our law firm can defend you against debt buyer lawsuits file in Texas. Contact us today for a free consultation!