Q: Served lawsuit by Patenaude & Felix for Synchrony Bank debt; need steps to move forward.

A: Put up your best defense, including and counter-suit. Then, if the debt is valid, show what has been paid and negotiate a settlement.

Note, You must respond in the legal way and on time with, for example a motion or an answer with affirmative defenses. Failure to do so could result in a default judgment against you.

A: First, you need to respond to the lawsuit by the deadline of June 14, 2025. If you haven't done so already, file a formal answer with the court, acknowledging the lawsuit and either admitting or denying the debt. You can also raise any defenses you have, such as the failure of Synchrony Bank to respond to your dispute or provide proper validation of the debt. Failing to respond on time may result in a default judgment against you.

Since you already disputed the debt on May 9 and have not received a response from Synchrony Bank, you should include this in your response to the court. You can argue that they failed to provide proper documentation to validate the debt, and you may request that the court dismiss the case until they do so. Be sure to keep records of your dispute letter and any communications with Synchrony Bank.

If you're unsure how to proceed with the lawsuit, you may want to consider seeking legal advice, especially if you have limited experience with court procedures. This can help you navigate the process and ensure your rights are protected. Additionally, you can continue requesting the debt validation from Synchrony Bank while preparing your court response.