Debt Defense
Facing a debt collection lawsuit can feel overwhelming, intimidating and unfair. But here’s something many people don’t realize: just because a creditor or debt buyer is suing you doesn’t mean they’re right—or that they’ll win. At the Law Office of Maria R. Alaimo, we stand up for individuals facing debt collection lawsuits and harassment. Our job is to protect your rights, your dignity and your financial future.
.webp)
What Is Debt Defense?
Debt defense is the legal process of helping individuals fight back against debt collectors, creditors, or debt-buying companies that sue them for money allegedly owed. In many cases, these lawsuits are based on outdated information, incorrect balances, or even cases of mistaken identity.
You may be facing a debt defense case if:
- You’ve been served a summons or complaint regarding an unpaid debt
- A debt collection agency is suing you
- Divorce or loss of a partner
- You’re being contacted about a debt you don’t recognize
- Your wages are being garnished, or you’re at risk of it
- A default judgment has already been entered against you
.webp)
Debt Defense: You Have Rights—Let’s Protect Them
Debt collection lawsuits are filed by the thousands—often by companies that buy old debts for pennies on the dollar. These companies rely on people not responding, not knowing their rights, or being too overwhelmed to fight back. But when you challenge them, many can’t prove their case.
Debt defense isn’t just about avoiding payment. It’s about standing up to unfair practices, fixing errors, and stopping harassment. It’s about making sure you’re treated like a human being, not a number in a spreadsheet.
Common Defenses Against Debt Claims
Here are some of the legal defenses we may be able to raise in your case:
- Statute of Limitations Has Expired: Many debt claims are time-barred and legally unenforceable.
- Incorrect Amount: The amount the creditor is suing for may be inflated or incorrect.
- Lack of Documentation: Creditors must prove you owe the debt—they often can’t.
- Wrong Party: You may not even be the person who owes the debt.
- Previously Settled or Discharged: The debt may have been paid, forgiven, or discharged in bankruptcy.
Even if you owe the debt, there may be options for reducing or negotiating it—while protecting you from wage garnishment or aggressive collection tactics.
What’s the Legal Process for Debt Defense?
We understand how scary a lawsuit can be, especially if you’ve never been sued before. Here’s how we help:
- Free Consultation: We review your case documents and explain exactly what your rights are.
- Court Filings: If you’ve been served, we respond to the lawsuit on your behalf—within the court’s deadline.
- Discovery and Investigation: We demand the proof. Most debt buyers cannot provide the original documentation needed to win.
- Negotiation or Trial: If it’s in your best interest, we’ll negotiate a fair resolution. If not, we’ll defend your case in court.
- Clear Communication: We’ll keep you informed at every step so you feel confident and in control.
What Can You Gain From a Debt Defense Case?
Depending on your situation, a successful defense could result in:
- The lawsuit being dismissed entirely
- A significant reduction in the amount owed
- A payment plan that fits your budget
- Protection from wage garnishment
- Relief from aggressive collection calls or letters
- Peace of mind and a fresh financial start
What to Do If You’ve Been Sued Over a Debt
Don’t Ignore the Lawsuit
Gather Documents
Avoid Speaking with the Collector
Know Your Deadlines
Call Our Office Immediately
Why Choose the Law Office of Maria R. Alaimo?
We don’t judge. We Help. Everyone faces tough times—we’re here to lift you up, not look down. Our deep experience with debt cases allows us to understand the tactics debt collectors use—and how to fight back.
You’re Not Alone
We walk you through every step with care, confidence and clarity.
Affordable Legal Help
We offer flexible fee arrangements and transparency from day one.
Take Back Control of Your Future
A debt lawsuit doesn’t have to derail your life. Let us help you protect your rights, push back, and find a path forward.
Call the Law Office of Maria R. Alaimo today for your free consultation. We’ll stand beside you every step of the way.
Customer Testimonials
Meet the dedicated professionals behind your case.
Understanding Debt Defense
Debt Defense Insights
