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     SUED BY A DEBT COLLECTOR? 

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We Can Help

       Rose Consumer Law is a top consumer debt defense law firm.  We have been defending consumers in debt collection cases since 2007 and getting favorable results.

       We know the collectors and their attorneys. This enables us to protect you from their aggressive collection tactics and keep you out of court.

       We also settle consumer debt before a lawsuit is filed and help consumers who have judgments against them. ​

       Summary of Our Services​

       If you’ve been sued in a debt collection lawsuit, here’s what we can do for you:

1.        We can settle the case immediately, or we can fight it. Fighting a case delays the outcome for approximately a year. If the Plaintiff is a debt-buyer – a company that didn’t provide you a loan or with credit, but claims they bought your account – we can likely get a better settlement just before trial. Sometimes we can even make them go away, so that you pay nothing! But this approach isn't for everyone. Some people don't like waiting. They prefer to settle now, even if it costs them more, as if they are buying quick peace of mind.

2.        If the Plaintiff is an original creditor – a bank or credit card company – and the debt is yours, as a rule, there is little or no financial benefit in fighting the case. It only makes sense to fight if delay is your goal. Fighting involves higher legal fees and costs, and the settlements that are available before trial won’t be much better than what is available at the outset.                                             To discuss which option is best for you, or if you just have questions about your case, call us. We’d be pleased to learn about your concerns and share our thoughts.  

(877) 320-2380

       The consultation is free, and you are under no obligation.

      You can also leave your contact information in the form to the right, and we'll respond promptly.​

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     Don't Disregard Service​

     Keep in mind that if you have already been served with a Summons and Complaint, you have a limited time to respond. If you do nothing, a judgment by default will be entered against you. Once a default judgment is entered, your wages can be garnished, your bank account levied, and a lien can be filed against your property.  You also lose substantial negotiating leverage, so you must act promptly

     The good news is that there are a number of defense strategies available in each case.  

     Based on our knowledge of debt collectors and their attorneys and of your particular needs, we can create an effective strategy to put this whole thing behind you.

     Finally, consider this rule of thumb: Debt collection attorneys are

swamped. They have too many cases. They don't want to try your case against an experienced debt defense attorney who can win. This means that as trial approaches, better settlements can be expected. 

      So, call us and let us know your concerns. ​

(877) 320-2380​

      We'd be pleased to offer whatever guidance we can.

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