The Langel Firm is dedicated to representing consumers who are facing wage garnishments, bank restraints and debt collection lawsuits in New York. Judgment enforcement activity often pops ups years after a lawsuit has ended. It is easier to defend yourself against a lawsuit when it first starts versus challenging a judgment years after your default in the case.
Important strategies needed to defend a debt-collection lawsuit:
- Respond to the lawsuit ("answer" the "complaint"). Failing to answer the complaint can lead to a default judgment, bank freeze and wage garnishment.
- Challenge the lawsuit (if you do not wish to settle). Fighting back will improve your bargaining position if you owe the debt.
- Demand all evidence of indebtedness. Oftentimes, the documentation is inadequate or inadmisable. But you must raise these arguments.
- Retain an attorney, if possible, who is experienced in debt-defense litigation and the Fair Debt Collection Practices Act. Your legal rights will be protected and your bargaining position will greatly improve. We would not get involved if we were not convinced that we would save you money and solve your legal problem.
- Understand that It is not to late to reverse the harsh effects of a bank seizure or wage garnishment ("income execution").
Whether you've just been served with a summons, wage garnishment, or bank restraint, we can help! All we do is fight collection lawyers at every stage in the litigation process, including the judgment enforcement process (frozen bank account and wage garnishment). You will get a free consultation to help you determine the best plan of action. We can then walk you through every step of the process.
Call (888) 271-7109 to get immediate help to protect your money, wages, and reputation. As always, friends, you may not construe the above as legal advice. These are general tips. If you want legal advice, call me.