Getting sued for debt doesn’t mean you’re out of options. Joining The Debt Hotline today, attorney John Skiba explains exact steps to take when you’re served with a debt collection lawsuit: 1. Don’t Ignore It. The clock starts ticking the moment you’re served. That means you need to get an Answer filed and communicate with the attorney right away. 2. Leverage the Discloser Phase. Once your Answer is filed, the creditor is usually required to provide documentation, such as account records or proof they own the debt. This gives you valuable leverage in negotiations, so go through everything with a fine tooth comb. 3. Evaluate Expenses. Put together what John calls a Settlement Budget to help you assess what you can realistically afford. 4. Expect Pushback and Plan For It. Give yourself a little bit of wiggle room when you’re submitting a proposal.5. Stay Consistent and Proactive. Remember, the main thing is action. You don’t want to let it default because that’s when things get really bad.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:Why filing an Answer prevents default judgments and strengthens your negotiating positionHow initial disclosure documents give you leverage in settlement negotiationsWhy settlement offers aren't admissible in court (so you can negotiate freely)How to handle automatic withdrawals and potential FDCPA violationsWhy statute of limitations creates massive leverage for consumersThe difference between secured debt (mortgages) and unsecured debt (credit cards)How to object when debt collectors fail to provide required disclosureJohn also answers real listener questions about:What to do when collectors counter with the full debt amountHandling unexpected money withdrawals from payment plansSettlement strategies for post-statute of limitations debtsDealing with foreclosure threats and secured debt issuesUsing lack of disclosure as a defense in courtNegotiating with Jefferson Capital and other debt buyersKey takeaway: Communication and action are essential. Whether you're negotiating a settlement or preparing for court, taking proactive steps—like filing an Answer and requesting proper documentation—puts you in control of the outcome rather than letting collectors dictate terms.Special moment: Congratulations to Bianca Paez, winner of Solo's $4,700 debt payoff giveaway! Bianca plans to use the money to pay off two of her open collections accounts and try to settle her $11,000 lawsuit. Check it out the announcement here: https://www.youtube.com/watch?v=-5gZpdrDm7MTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

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