Fighting the lawsuit on your own (without hiring a lawyer) can often be a good option when you are sued by a debt collector in Alabama.
By way of reminder, the five options you have when sued by a debt buyer (such as LVNV, Midland, Portfolio, etc) are:
2. Fight the case on your own
3. Settle the case on your own
4. Hire a lawyer to fight the case
5. Hire a lawyer to settle the case
Each option has advantages and disadvantages (particularly bankruptcy which we rarely recommend).
When looking at fighting the case on your own (also called being “pro se”), the main advantage is there is no lawyer fee. So you save money.
The main disadvantage is you don’t have a lawyer so you are on your own. You don’t spend money but you will need to spend time to prepare yourself.
Typically if you have been sued in Circuit Court you don’t want to choose this option as the level of complexity can be too much to handle on your own.
But if you are sued in District or Small Claims court, and you are willing to spend time instead of spending money, then this may be a good choice for you. We have lots of clients who handled their case on their own, won, and then came to us to sue the debt buyer in federal court for filing an illegal suit against the consumer.
We’ll be glad to help you think through your options.
If you have questions about your options when sued in Alabama, please feel free to get in touch with us by calling us at 205-879-2447 or contacting us through our website AlabamaConsumer.com.
John G. Watts Watts & Herring, LLC Birmingham, Alabama