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Receiving papers for a debt can be an overwhelming and stressful experience. Keeping a calm demeanor is important in addressing the situation. The following steps can assist: 

Examine the Documents Carefully:

Your first course of action should be to scrutinize the papers and verify that the debt is indeed authentic. Confirm that the creditor has provided satisfactory documentation to support their claim, such as a contract or an account statement. If you suspect that the debt is not yours or that there is an error, you may require legal assistance from a lawyer to dispute the debt.

Contact the Creditor or their Lawyer:

If the debt is legitimate, approach the creditor or their lawyer to discuss payment plans or settlement options. You may be able to come up with an arrangement that will enable you to pay off the debt sequentially or even settle the debt for a discounted amount. Ensure that all agreements are in writing, and keep all documentation related to the discussions.

Reply to the Lawsuit:

Failing to respond to a lawsuit within the specified period can result in a default judgment against you. The papers you received should contain information on how to reply and the deadline for doing so. If you don’t meet the deadline, the court could issue a judgment against you without giving you the chance to present your side of the story.

Think About Hiring an Attorney:

If you’re not sure how to handle the lawsuit or negotiate with the debt collector, it may be best to hire a debt defense lawyer. A lawyer can help you recognize your legal rights and obligations and represent you in court if needed.

Attend Court Hearings:

If your case proceeds to court, it is critical to appear at all hearings prepared and ready to make your case. Bring relevant documentation, such as bills, receipts, and agreements, to back up your claim. Be polite and courteous to both the judge and the other party and adhere to all court procedures and rules.

Maintaining Records:

It is crucial to maintain all the paperwork associated with the debt, along with any discussions or arrangements made with the creditor. This incorporates duplicates of any notices received, communication exchanged with the creditor or their legal advisor, and evidence of payment or receipts. Precise documentation can aid in challenging any mistakes or disparities and uphold your rights in court.

Contact an Experienced Debt Defense Attorney in Texas

In case you have been served papers for a debt in Texas, reach out to a proficient Texas debt defense lawyer without delay. Our experts can offer legal advice and strive to protect your rights and priorities. Don’t wait any longer – fix a meeting for a free consultation today at 832-501-0966.