We have represented many clients in the same situation that you may find yourself in. There are many options available to you if you are facing a law suit over money you owe on a past due bill or old debt. Allow one of our experienced debt collection defense lawyers to assist you in analyzing your budget to determine if we should assist with defending, postponing, or settling your lawsuit, or if we may need to help you to file for bankruptcy!

Debt collection defense litigation is a large part of our practice. Our law firm is staffed with highly qualified consumer debt collection defense attorneys who specialize in this area of the law. Our attorneys are well versed in protecting the rights of our clients and we will vigorously work to defend them. In many instances we have gotten cases dismissed or have been able to settle these types of cases before they go to court and turn into judgments. In other instances the strategy has been to postpone as long as possible thereby buying time and allowing a client to save some funds that are used in a settlement agreement, thus avoiding a judgment.*

We understand that each lawsuit is different and each of our clients are different. We are well prepared for every different situation and always take into consideration the client's budget. Our attorneys carefully analyze your situation and will work with you to develop the appropriate strategy that best suits your needs.

We can help to vacate a default judgment as well. This can happen when a debt collection attorney tries to get a judgment against an individual without that individual even knowing it! The collection attorney claims to have served a summons and complaint that has not been served properly. The summons and complaint can be sent to an inaccurate address or even served to the wrong person. Without an individual being notified there is a pending lawsuit against them, there is no way for them to defend themselves. By not showing up and defending themselves, the individual automatically loses their case thus judgment is awarded to the creditor by default, this is referred to as a "default judgment". We can help fight to remove that default judgment and force the collection attorney to start the case all over again, thus allowing ample time for us to defend, postpone, or settle the case.

With our extensive experience and comprehension in this area of law, we are able to successfully battle for our clients’ rights which has lead us to outstanding results*.

If you are being sued by a creditor, debt collector, or debt buyer, we understand that it can be extremely stressful. Our client service representatives, paralegals, and attorneys are fully committed to providing the best personalized attention in a one-on-one setting. We will always be here for you as a shoulder to lean on in your time of need.

At S.J. Packman & Associates, before we make any recommendations, our attorneys, certified debt specialists, and paralegals, are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as there is no one process that can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. When dealing with a lawsuit, time is of the essence! If you are in the New York or New Jersey area call now, 888-314-1722, and one of our advisors will be there to get you started on your path to financial freedom! There is no obligation to enroll, so don’t delay.

*Past performance does not dictate future results