Contact a California Debt Defense Lawyer
Send Us a Message
How It Works
Getting help is simple. Here is what to expect when you contact us.
Tell Us Your Situation
We Review Your Options
We Defend or Negotiate
How long do I have to respond to a debt collection lawsuit in California?
In most cases you have 30 days after you are served to file a written response with the court. The deadline can be different depending on how you were served, so act quickly and have a lawyer check your dates.
What happens if I ignore the lawsuit?
The creditor can ask the court for a default judgment. With a judgment, it may be able to garnish your wages or levy your bank account. Responding on time keeps your defenses open.
Can a debt buyer sue me for an old debt?
Debt buyers can sue, but California law requires them to have specific documents proving the debt and their ownership of it, and they cannot sue on debts past the statute of limitations.
Can I still settle after I have been sued?
Yes. Many collection cases settle after the lawsuit is filed. Filing a response first protects you while settlement is negotiated.
Can a collector call me at work or threaten me?
Federal and California law, including the Fair Debt Collection Practices Act and the Rosenthal Act, prohibit abusive, deceptive, and harassing collection practices.
What should I send when I contact you?
The summons and complaint if you were sued, any collection letters, and recent account statements. Photos or scans are fine.
Which areas of California do you serve?
We serve clients throughout California, with a focus on the Central District and Southern District, and we also handle matters in the Northern and Eastern Districts.
Areas We Serve
We represent clients throughout California. Much of our work is handled by phone and email.
Southern California
(714) 782-7275
Northern and Central California
(714) 782-7275