Debt Litigation

Buffalo Debt Litigation Attorney

We can represent you in the face of creditors!

Everyone is likely familiar with the feeling of failing to make a credit card payment or pay a medical bill on time. For most people, they pay the bill and that is usually where it stops. In many cases, however, the bill does not get paid and the creditor decides to file a lawsuit. This is considered debt litigation, and it can be paralyzing if you've never dealt with it before.

Our Buffalo bankruptcy lawyer understands where you are coming from and wants to make sure that you get to where you want to be. We have helped numerous clients turn their financial future around for the better – we'd be honored to do the same for you.

What is the process of debt litigation?

Debt litigation begins with an unpaid bill. In order to recover the funds that should have been paid by you, a creditor or collection agency files a complaint in court. The complaint includes the details of the lawsuit and how you are expected to respond, typically with a payment for everything that you owe. It is then your responsibility to respond to the complaint within 20 to 30 days.

You can usually respond with either an affirmative defense or a counterclaim. An affirmative defense can include any of the following:

  • You never received what you were supposed to
  • The goods you received were defective
  • The contract was in error or illegal
  • The creditor acted dishonestly
  • You were not informed of your rights when signing
  • Your consumer rights were violated

A counterclaim is a different approach that can address unique issues not raised in the original complaint from the creditor.

Buffalo Bankruptcy Lawyer with 10 Years' Experience

Not only can creditors be intimidating, but the complaint you may receive is often rife with confusing legalese. At Smith & Messina LLP, we can work on your behalf to reach the best possible outcome and help you avoid aggressive creditors.

Contact our firm right away to learn more about the options you may be able to pursue.

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