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How to Beat Forster & Garbus in Court

George Simons | July 21, 2022

You may have a debt, but you also have a defense.

Summary: If you've been sued by Forster & Garbus, LLP, you can use SoloSuit to win the case!

Did you receive notice of a lawsuit from a law firm called Forster & Garbus, LLP? If you have no idea who Forster & Garbus is or why they are suing you, you are not alone.

Defaulting on debt often ends up with you getting all kinds of correspondence from people and companies you may have never heard of before. Does that mean you should ignore the correspondence? Definitely not!

It is completely understandable to want to ignore collection calls and letters with the hopes that they go away. But unfortunately, that only makes your situation worse. If you get a notice that you are being sued, the worst thing you could do is ignore it. You would be wise to respond to the lawsuit right away.

In most cases, the company bringing a collection lawsuit will have difficulty proving their case when the debtor responds to the suit. By contrast, if you ignore a lawsuit, then the debt collector will obtain a legal judgment against you. With that judgment, the collector can then restrain your bank account and/or garnish your wages.

Respond to a collection lawsuit in minutes with SoloSuit.

Now, you might be wondering exactly how you can respond to a collection lawsuit from Forster & Garbus. Don't worry, we are here to help. In this article, we will discuss who Forster & Garbus is, how you can effectively respond to their lawsuit, and most likely win against them!

If, after reading this article, you have more questions about how you can fight back against Forster & Garbus, contact us at SoloSuit. Our mission at SoloSuit is to give consumers the tools they need to push back against unscrupulous debt collectors like Forster & Garbus so they don't take advantage of you.

What is Forster & Garbus?

Forster & Garbus, LLP is a law firm, based in upstate New York, that works primarily as a debt collection firm. The bread-and-butter of their work is filing cases against consumers who owe money to banks and credit card companies like Capital One, Citibank, Macy's, and Discover. The firm also collects on defaulted student loan debts from National Collegiate Fund, Sallie Mae, and others.

Forster & Garbus also owns a separate collection agency – using the same business address as the firm – named Professional Credit Services, Inc. Like other debt collection agencies, Forster & Garbus' debt collection company buys accounts in default for pennies on the dollar, and then they aggressively try to collect on those debts.

As with most other firms involved in debt collections, Forster & Garbus has had its share of complaints and lawsuits against it. Mostly, those complaints and suits revolve around inappropriate and aggressive debt collection practices that run afoul of the Fair Debt Collection Practices Act. For example, Forster & Garbus has been the object of complaints because it has made harassing phone calls in violation of the law.

File a counterclaim against unscrupulous debt collectors with SoloSuit.

Can You Beat Forster & Garbus in Court?

They Have the Burden of Proof, Not You

When faced with a debt collection lawsuit from Forster & Garbus, you need to respond. Forster & Garbus's business model is centered on the hope that the debtor they just sued will not respond. That is because when the debtor ignores a lawsuit, then they win without having to prove their case. And once they win the lawsuit, they can go after your bank accounts and wages, legally.

That is an outcome you do not want. The moment you respond to a Forster & Garbus lawsuit, they must do some work. Namely, they have to prove that they legitimately own, or they represent a party that legitimately owns your defaulted account. They can only prove that with documentation showing ownership. Lots of times, however, debt collectors like Forster & Garbus do not have the documentation needed. So, they wind up with egg on their face. Moreover, even if Forster & Garbus have some documentation, like an unpaid invoice or credit card bill, that is not enough to prove their ownership over your defaulted account.

By simply standing up to a Forster & Garbus lawsuit and saying “go ahead, try to prove your case,” you will find that Forster & Garbus is not so scary after all.

So, how do you respond to their lawsuit?

Respond to the Lawsuit by Immediately Filing an Answer

The way to respond to a Forster & Garbus lawsuit is to file a document simply called an “Answer.” Remember, you do not have much time to respond. It is usually about 30 days. The time you have to respond is different in different states. So check in your jurisdiction to find out exactly how much time you have.

Since time is of the essence, you want to make sure to get some help. But, you do not have to hire a lawyer. You can respond to the suit yourself, with a little help from SoloSuit. We have information on how to file an Answer to a debt lawsuit in every jurisdiction.

File a response to a debt collection lawsuit in minutes with SoloSuit.

When you are drafting the Answer to the complaint, there are three important things to keep in mind:

  1. Keep It Simple. Do not tell a long story in the Answer. All the court wants is for you to “admit” or “deny” the numbered paragraphs in the complaint.
  2. Unless You KNOW It's True, Your Response Should Be “Deny.” Don't make the mistake of admitting something that you do not know is true. For example, Forster & Garbus will say that it “owns” or represents a party that “owns” your debt. How can you know if that is true? You don't! So be sure to “deny” that paragraph.
  3. Be Careful of Compound Allegations in One Paragraph. Debt collectors try to be clever and put more than one “fact” in a paragraph so that you will mistakenly “admit” the whole paragraph. Don't make that mistake. Be sure to “admit” or “deny” every single allegation, even if there are two or more in the same paragraph.

Beat Forster & Garbus in Court

Forster & Garbus most likely does not have all the necessary documentation to win a lawsuit against you. They are hoping that you will not respond. So, turn the tables on them. Stand up for yourself. Respond to their lawsuit. And win!

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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