What to Do If You’re Being Sued for Debt in Florida

What to Do If You’re Being Sued for Debt in Florida

Receiving notice that you’re being sued for a debt can be frightening. We regularly speak with individuals in Fort Myers who feel embarrassed, anxious, or unsure where to turn after being served with legal papers. Many people worry that it’s already too late—or that they have no options.

The reality is that being sued for debt does not automatically mean you will lose. Understanding what’s happening and taking timely action can make a significant difference.‍

What It Means to Be Sued for Debt‍

A debt lawsuit typically means a creditor or debt buyer claims you owe money and is asking the court for a judgment. This often involves:

• Credit card debt
• Medical bills
• Personal loans
• Old or charged-off accounts
  

Once a lawsuit is filed, the clock starts ticking. Ignoring the lawsuit can result in a default judgment.

Do Not Ignore the Lawsuit

One of the most common—and costly—mistakes we see is ignoring court paperwork. If no response is filed within the required timeframe, the creditor may obtain a judgment without opposition.

A judgment can potentially lead to:

• Wage garnishment
• Bank account levies
• Liens in certain situations
  

Responding on time preserves your ability to raise defenses.

You May Have Defenses Available

Many debt lawsuits rely on incomplete records or improper documentation. In some cases:

• The creditor cannot prove ownership of the debt
• The amount claimed is inaccurate
• The statute of limitations has expired
  

Each situation is different, but valid defenses may exist.

Why Early Action Matters

Acting early allows time to:

• Review the lawsuit
• Identify potential defenses
• Avoid default judgments
  

Even if the debt feels overwhelming, clarity often comes from understanding your options.

If you’ve been sued for debt in Fort Myers or Southwest Florida, a consultation can help you understand what the lawsuit means and what steps may be available to you.