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Giving You Hope For a Debt-Free Future

SOUTH CAROLINA
BANKRUPTCY ATTORNEY

Debt relief options for consumers facing a collections lawsuit

For South Carolina consumers who are in serious financial turmoil, collections efforts can feel overwhelming. There are calls to answer, mail to address and in some cases, notice of a court actions intended to collect on an unpaid account. Borrowers who are facing court action are often in need of serious debt relief.

When facing a hearing, one option is to contact the creditor directly and attempt to work out a settlement agreement. This can result in the withdrawal of the lawsuit. However, most creditors are going to insist on full payment of the settlement account, which is not always possible for cash-strapped consumers.

When preparing to go to court, it is absolutely necessary to create and file a response to the initial summons. This response should outline your legal stance in the matter, including whether you agree with the claims made by the creditor. It is also important to be aware of and comply with any local rules pertaining to court proceedings. Failure to do so can seriously jeopardize one's case.

When dealing with court proceedings intended to collect on a debt, many in South Carolina choose to consult with a legal professional. This can not only assist in addressing the hearing, it can also lead to other avenues of debt relief that can put a stop to all collections efforts. Understanding one's options is always the best course of action when facing severe financial strain, and can lead to a lasting solution and a path back to financial stability.

Source: Fox Business, "Taken to Court for Card Debt? What to Expect," Tamara E. Holmes, March 13, 2013

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Reed Law Firm, P.A.
220 Stoneridge Drive,
Suite 301

Columbia, SC 29210

Phone: 803-726-4888
Fax: 803-726-4887
Columbia Law Office Map

Reed Law Firm, P.A.
1807 West Evans Street,
Suite B

Florence, SC 29501

Phone: 843-679-0077
Fax: 843-679-0667
Florence Law Office Map

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