economy
March 6, 2026
What to do if you're being sued by a debt collector this March
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TL;DR
- Debt collection lawsuits are increasing as credit card delinquency rises.
- Doing nothing when sued by a debt collector often results in a default judgment, allowing wage garnishment or bank levies.
- Key options include challenging the debt's validity, negotiating a settlement for less than the full amount, or working with a debt relief company.
- Consulting a consumer law attorney can provide legal defense and potentially better settlement terms.
- Bankruptcy (Chapter 7 or 13) can offer discharge of debts and halt collection activities through an automatic stay.
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