Benefits of Hiring an Attorney to Represent You in a New York Debt Collection Lawsuit

A man in suit and tie with his arms crossed.

By: Robert J. Nahoum

If you have been sued by a debt collector in New York, you may be feeling overwhelmed and unsure of what to do. You may be tempted to ignore the lawsuit, but this is a mistake. Ignoring a debt collection lawsuit can have serious consequences, including a default judgment against you.

A default judgment is a judgment that is entered against you without your input. This means that the debt collector will be able to garnish your wages, freeze your bank accounts , or place a lien on your home.

If you have been sued by a debt collector in New York, you should hire an attorney to represent you. An attorney will be able to help you:

  • Defend the lawsuit. Your attorney will review the debt collection lawsuit and determine whether there are any defenses that you can raise. For example, you may be able to challenge the validity of the debt, the statute of limitations, or the debt collector’s methods of collection.
  • Negotiate a settlement. In many cases, it is possible to negotiate a settlement with the debt collector. This may involve paying a reduced amount of the debt or entering into a payment plan.
  • Defend your credit report. If you lose the lawsuit, the debt collector may be able to have a judgment entered against you. This judgment will be reflected on your credit report, which can make it difficult to obtain credit in the future. Your attorney can help you to dispute the judgment and protect your credit report.

Hiring an attorney to represent you in a New York debt collection lawsuit is a smart way to protect your rights and your finances. An attorney will be able to help you to navigate the legal system and get the best possible outcome for your case.

Here are some additional benefits of hiring an attorney to represent you in a New York debt collection lawsuit:

  • Peace of mind. Hiring an attorney will give you peace of mind knowing that you have someone who is fighting for your rights.
  • Expertise. An attorney has the expertise and experience to handle debt collection lawsuits. They will know the law and how to best protect your interests.
  • Resources. An attorney has access to resources that you may not have, such as legal research databases and professional relationships.

If you need help settling or defending a debt collection law suit, stopping harassing debt collectors or suing a debt collector, contact us today to see what we can do for you.

The Law Offices of Robert J. Nahoum, P.C
(845) 232-0202

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