Collection Lawsuit Defense, Settlement

So far in 2022, our law firm has saved clients over 12 million in debt by settlement!

(Not including debt eliminated by bankruptcy filings)

Collection Lawsuit Defense Settlement

Franklin-Based Collection Lawsuit Defense Team Serving All Tennesseans

If you’ve been sued for a debt, don’t give up! You have rights. Just because a lawsuit has been filed doesn’t mean it will be successful. Banks and creditors often make mistakes in the loans, in the payment history, and in the filing of the case. They are not perfect. They also violate federal collection laws regularly.

The Debt Defense Attorneys at Fitzgerald & Campbell, APLC in Franklin, Tennessee, are dedicated to ensuring creditors follow the law to prove what you owe. Call us as soon as you receive notice of a collection lawsuit being filed against you whether it is in Circuit, Chancery, or General Sessions Court

What is Collection Lawsuit Defense?

Fitzgerald & Campbell, APLC can help you with a collection lawsuit defense in Tennessee. Our talented and experienced debt defense attorneys can provide sound advice, proven guidance, and effective representation as you fight for your rights and handle debt problems. As we mount a strong collection lawsuit defense for you, we can help with the following:

Responding to the Lawsuit – Failing to respond results in a default judgment favoring your creditor. A quick, professional response forces them to prove their case and puts them on notice that you intend to fight for your rights.

Verifying the Debt – Never pay a debt you are unsure you owe. Mistakes happen, and you could be saddled with another person’s debt. Or, a debt collection agency could have bought your debt without obtaining the proper authorization. You could contest this debt and have it dismissed.

Mounting an Affirmative Defense – When debt collectors obtain an outstanding debt, they must also obtain the legal right to collect it. A debt defense attorney from Fitzgerald & Campbell, APLC, can use the law and numerous affirmative defenses to challenge the debt’s validity.

Negotiating Settlement Offers – Most creditors are willing to settle for less than you owe – recovering some of a debt is better than nothing. A debt defense attorney in Tennessee from Fitzgerald &

Campbell, APLC can skillfully negotiate the best possible settlement arrangements to meet your needs and budget.

Who Needs Help with a Collection Lawsuit Defense Settlement?

Virtually anyone who owes an outstanding debt can be sued by a debt collector and will need help with collection lawsuit defense. Every lending contract will have terms and deadlines for payment, late payments, and how much time is allowed to pass before collection actions begin.

Most debtors allow at least 180 days before initiating serious collection actions like suing you in court. During that time, they will send reminders and warnings about your debt and how to keep the account current.

Are you facing a collection lawsuit over an unpaid debt? All sorts of circumstances can cause debt trouble:

  • Unable to work due to illness or injury
  • Filing for long-term disability
  • Loss of job
  • Unexpected health concerns and expenses
  • Tax problems
  • Inheritance problems
  • Incorrect debt information
  • Identity theft

Call the Debt Defense Attorneys at Fitzgerald & Campbell, APLC, in Franklin, Tennessee, to discuss your debt problems and how we can help. Phone 615-845-4595 or schedule a consultation online.

What If You Have Old Debt?

Old debts do not simply go away. Tennessee law allows your creditors six years to take you to court over an unpaid debt. If the debt is not repaid in that time or otherwise settled, they can no longer successfully sue to collect the debt – but the debt remains, and they can continue to attempt collection through phone calls, letters, and social media contact.

It is important to note that the six-year statute of limitations begins when the right to sue starts. But, responding to the debt collector, using the account, or even making a payment on the account can restart the statute of limitations.

You cannot hold out for financial freedom by waiting on the Tennessee statute of limitations on debt to expire. Debt is only erased by repayment, settlement, or bankruptcy.

Is a debt collector attempting to collect an old debt? Trying to sue you over an old debt may violate your rights under the Fair Debt Collection Practices Act. A Debt Defense Attorney from Fitzgerald & Campbell, APLC, can defend you in court and potentially have the debt and the case dismissed.

Why Choose Fitzgerald & Campbell, APLC in Tennessee?

The Debt Defense Attorneys at Fitzgerald & Campbell, APLC, have a combined experience of over 45 years. In addition, they have a staff who are specifically trained for these types of cases. You will not find a better team to represent you in a collection defense case.

Your debt defense attorney will fight in your corner!

  • We will make creditors prove their case.
  • We will make it difficult for your creditors.
  • We will make it not profitable for creditors to pursue you.
  • We will hold creditors to the letter of the law.
  • We will make sure you are treated equally and fairly.
  • We will make sure creditors understand your hardships.

Plus – Fitzgerald & Campbell, APLC handles all Collection Defense cases for a reasonable fee. Affordable payment plans are our hallmark. And there is no extra fee if your case goes to trial!

If you have received a notice of a debt collection lawsuit in Tennessee, don’t wait – a timely response is critical to prevent a default judgment, wage garnishment, or other collection actions against you! Instead, contact Fitzgerald & Campbell, APLC in Franklin, to schedule a consultation. We serve clients throughout Tennessee from Spring Hill and Franklin to Nashville, Murfreesboro, Jackson, Columbia and other areas of the Volunteer State.

Wondering if debt settlement is for you?

Want to know how much is needed and how long it takes to settle your debts? Want to know how much you could save? Use our free calculator to get an estimate.

How can we help you?
Fill out a form or call today to speak with our legal team.
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