Should you trust a debt collector who tells you not to file an answer in a collection lawsuit?
Why would a debt collector or a debt collection law firm tell you not to file an answer?
This may happen to you in the context of trying to settle your case. The collectors say to not file an answer because they are talking with you and everything will be worked out.
Personally, I would not trust them if they say this. I have been dealing with these guys for many years.
I have seen them file a default judgment one day after the consumer’s deadline to file an answer.
They will tell the court you were served and have done nothing to protect yourself.
They will swear in an affidavit that this was the case while leaving out the part where they told you to do nothing.
One client experienced this and came to us. We requested the judgment be dismissed and we sued the debt collector.
The collector claimed it was a simple mistake that happened due to the large number of cases they deal with and tried to claim it was unintentional.
In the end, they had to pay a significant amount of money to our client.
Be very skeptical of trusting the collectors or collection lawyers who are suing you.
If they say not to worry about filing an answer because everything is good, do not trust them.
If you decide to trust them, just know that you may get burned.
The safest thing to do is to file your answer.
It’s similar to defensive driving. You anticipate the actions of others and make decisions accordingly for your own safety.
You can still continue to talk with them, but this way you have taken a step to protect yourself.
We hope this is helpful to you!
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We would be glad to help you in any way we can.
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Thanks for reading, and have a great day!