Sued for Debt? We Step In, Take Control, and Handle the Legal Fight.
Our attorneys respond to your lawsuit, negotiate directly with creditors, and fight for a resolution that puts you back in control — so you get real relief.
Being Sued Is Scary. Ignoring It Is Worse.
When you are served with a debt lawsuit in Florida, the clock starts ticking immediately. You have only 20 days to file a response with the court. Miss that deadline and the creditor can request a default judgment against you — meaning they win automatically, without you ever having a chance to defend yourself.
Consequences of a Default Judgment
- Wage Garnishment — Up to 25% of your disposable income can be seized directly from your paycheck.
- Bank Account Levy — Creditors can freeze and withdraw funds from your bank accounts.
- Property Liens — A judgment lien can be placed on your home or other assets.
You do not have to face this alone. Our attorneys can step in, file a timely response, and begin fighting for you immediately.
Debt Lawsuit Defense — Handled for You
We take full legal control of your case so you can focus on your life.
Timely Response
We ensure your answer is filed within Florida's 20-day deadline, protecting you from default judgment and preserving your legal rights.
Direct Creditor Negotiation
Our attorneys negotiate directly with creditors and their counsel to reach favorable settlements, often for significantly less than the amount claimed.
Full Legal Control
From court filings to hearings to settlement execution, we handle every aspect of the legal process. You do not have to appear in court or deal with creditor calls.
Outcome Focus
Our goal is a resolution that gives you real relief — whether that means a reduced settlement, a payment plan, or dismissal of the case entirely.
From Summons to Settlement
Here is exactly what happens when you hire us to defend your debt lawsuit.
Free Case Review
You share your summons and complaint with us. We review the case, identify your best options, and explain the process — all at no cost. If we are the right fit, we move forward immediately.
Legal Response & Defense
We file a formal answer with the court within the required deadline, assert all applicable defenses, and begin direct negotiation with the opposing counsel to pursue the best outcome.
Resolution & Relief
We finalize a settlement for less than you owe, arrange manageable payment terms, or pursue dismissal where possible. You walk away with a resolution and the weight off your shoulders.
What Sets Us Apart
Efficiency
When you are facing a legal deadline, speed matters. We respond rapidly to urgent matters, file documents promptly, and keep you informed at every step. No delays, no runaround.
Experience
Our attorneys have settled thousands of cases and conducted hundreds of trials. Having previously represented creditors, we know their strategies — and how to counter them effectively on your behalf.
Relief
The moment you hire us, the burden shifts from you to our legal team. We handle the phone calls, the paperwork, the court appearances, and the negotiations. You get your life back.
Client Results
Real outcomes from real clients we have helped.
“Credit and Debt Relief took over my case and handled everything. I didn't have to go to court or deal with the stress. They settled my debt for way less than I owed. Highly recommend!”
“I was terrified when I got sued for credit card debt. These attorneys stepped in, took control, and got me an amazing settlement. Professional and responsive the entire time.”
“From start to finish, Credit and Debt Relief made the process easy. They negotiated settlements on all my accounts and I'm finally debt-free. The team is knowledgeable and caring.”
What Happens If You Ignore the Lawsuit
Doing nothing is the worst thing you can do. Here is what creditors can pursue if you fail to respond.
Wage Garnishment
Florida law allows creditors with a judgment to garnish up to 25% of your disposable earnings. This is deducted directly from your paycheck by your employer, and there is very little you can do to stop it once a judgment is entered.
Bank Account Levy
A creditor with a judgment can freeze your bank accounts and withdraw funds to satisfy the debt. This can happen without warning, leaving you unable to pay rent, bills, or other essential expenses.
Default Judgment
If you do not respond within 20 days, the court can enter a default judgment against you for the full amount the creditor is claiming — plus interest, attorney fees, and court costs. You lose the ability to negotiate or defend yourself.
The Clock Is Ticking — Act Now
You only have 20 days to respond to a Florida debt lawsuit. Every day you wait brings you closer to a default judgment. Our attorneys can file your response immediately and begin fighting for your rights today.
Call (727) 999-3132 NowDebt Lawsuit Defense FAQs
Answers to common questions about defending a debt lawsuit in Florida.
How long do I have to respond to a debt lawsuit in Florida?
In Florida, you typically have 20 days from the date you are served to file a response with the court. Missing this deadline can result in a default judgment against you, which could lead to wage garnishment or bank levies. Contact us immediately if you've been served.
Do I need to go to court?
In most cases, no. Our attorneys handle all court filings, hearings, and proceedings on your behalf. We step in so you don't have to deal with the stress of appearing in court yourself.
Can you negotiate a settlement for less than what I owe?
Yes. Our attorneys have settled thousands of cases and often negotiate settlements for significantly less than the original debt amount. Having previously worked on the collection side, we understand creditor strategies and use that knowledge to your advantage.
What if I think the debt isn't mine or the amount is wrong?
We can dispute the validity of the debt on your behalf. Creditors are required to prove they own the debt and that the amount is accurate. Many lawsuits have documentation errors that can be used in your defense.
What should I bring to my free consultation?
Bring any documents you've received related to the lawsuit, including the summons, complaint, and any correspondence from the creditor or their attorney. If you have records of the original debt, those are helpful too.
Don't Wait. Get Help Now.
Every day you wait is a day closer to a default judgment. Contact us for a free, no-obligation case review.