Q: If a lawsuit is filed against me how do I pay it?
A lawsuit by a creditor is being filed against me for nonpayment. I leased equipment and it was tore up when I received it. The creditor didn’t want the equipment back and insisted I pay. Well I can’t pay the lump sum they’re asking as my family and I are basically homeless at the moment living with family members due to financial reasons. What are my options to pay this matter off?
A: Unfortunately, once a lawsuit is filed, your options are limited. You can settle the debt by making an offer to pay for less than the amount owed and dismissing the case. You can offer to make monthly payments on the debt. Once this lawsuit goes to judgment, then you will be at the mercy of the creditor. With a judgment, they can garnish your wages, levy bank accounts and place liens on property. Of course, bankruptcy would completely wipe this debt out.
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