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Here’s why you should hire a Chicago debt collection defense lawyer

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You may have a hard time dealing with a debt collection lawsuit. The truth is more people are facing such lawsuits in Illinois than ever before, and not many are aware of their options. The worst thing you can do is to ignore the lawsuit, as that allows the debt collector to get a default judgement. Once they have the same, they can freeze your accounts, place a lien on your property, and literally make it hard for you to move ahead financially and otherwise. You could potentially have a chance to defend your case, which is precisely why you need a debt attorney Chicago. In this post, we are sharing more on hiring a debt collection defense lawyer and what they can do for you.

There are three major options to consider when it comes to facing a debt collection lawsuit. If you don’t take action, the creditor or debt collector will get a default judgement, as we mentioned earlier. You have the second choice of defending your lawsuit independently. The third and most sensible thing to do is to find an attorney who can represent you.

Dealing with a debt collection lawsuit

You were expected to repay the creditor and have failed to do so. The next obvious step for the creditor is to file a lawsuit in court, and they would expect you not to know what to do next. The third and most sensible thing to do is to find an attorney who can represent you. There are three major options to consider when it comes to facing a debt collection lawsuit. If you don’t take action, the creditor or debt collector will get a default judgement, as we mentioned earlier. You have the second choice of defending your lawsuit independently. The third and most sensible thing to do is to find an attorney who can represent you. 

Get a case evaluation

Most debt collection defense lawyers in Chicago offer low-cost consultations, and you can meet the attorney to discuss the case further. If you think you have a valid defense, your lawyer can use that for the case. for instance, if the creditor or the debt collection agency violated the Fair Debt Collection Practices Act, you may have a good counterclaim. Your lawyer may also get the case dismissed, and if that’s not possible, they may help come to an arrangement for repaying a smaller amount with a payment plan you can afford.

How can a debt collection defense lawyer help?

Besides evaluating your case, the debt collection defense lawyers will check other things too. For instance, did the creditor miss the statute of limitations? Did they file the lawsuit in the wrong court or debt collector? Is there an issue with the paperwork? What if the debt collection agency used illegal methods or means to recover the money before filing the lawsuit?

Let an experienced lawyer guide you on debt collection defense. There are three major options to consider when it comes to facing a debt collection lawsuit. If you don’t take action, the creditor or debt collector will get a default judgement, as we mentioned earlier. You have the second choice of defending your lawsuit independently. The third and most sensible thing to do is to find an attorney who can represent you.