Debt Collection Defense and Debt Settlement Services

We represent Californians facing debt collection lawsuits and help them resolve debts through negotiation. Every case is different, so we start by understanding yours.

Debt Collection Lawsuit Defense

We respond to collection lawsuits, review the creditor’s evidence, and raise every defense available to you.
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Responding to a Summons

A summons has a short deadline. We make sure your response is filed on time so you don’t lose by default.
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Debt Buyer Lawsuits

Companies that buy old debts must prove they own the debt and that the amount is correct. We hold them to that burden.
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Debt Settlement

We negotiate with creditors and collectors to resolve debts for a lump sum or a reduced balance when possible.
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Creditor Negotiation

We work out payment plans and settlement terms in writing, so you know exactly what you owe and when.
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Judgments and Garnishments

If a judgment was already entered, we review whether it can be challenged and what options remain to protect your wages and accounts.
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Debt Validation

Before you pay, we can demand that a collector prove the debt is valid and that it has the right to collect it.
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Tell Us About Your Debt or Lawsuit

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We Serve Clients Throughout California

Our focus is Southern California, and we also handle cases across the rest of the state. Much of our work can be handled by phone and email, wherever you are.

Central District

Los Angeles, Orange, Riverside, San Bernardino, Ventura, Santa Barbara and San Luis Obispo counties.
(714) 782-7275

Southern District

San Diego and Imperial counties.
(714) 782-7275

Northern and Eastern Districts

The Bay Area, Sacramento, Fresno and the Central Valley.
(714) 782-7275

How It Works

Getting help is simple. Here is what to expect when you contact us.

Tell Us Your Situation

Call or send a message with your summons, collection letters, or account details.
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We Review Your Options

We look at the claim, possible defenses, and whether settlement makes sense for you.
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We Defend or Negotiate

We handle the case in court or work directly with the creditor on your behalf.
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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.

What is the statute of limitations on debt in California?

For most consumer debts based on a written agreement, the limit is generally four years. The exact period depends on the type of debt and when the last payment was made.

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.

Is debt settlement right for me?

It depends on the amount owed, your income and assets, and whether you have a lawsuit pending. We review your situation and explain your options before you decide.

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.

Do I have to go to court in person?

Not always. Many hearings can be handled remotely or by your attorney. We will tell you what your case requires.

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.

How do I get started?

Call (714) 782-7275 or send us a message through our contact page with your summons, collection letters, or account details.

Call (714) 782-7275 for a free consultation