February 05, 2021
Summary: Sued by Tulsa Teachers Credit Union? We've got you covered. SoloSuit makes it easy to respond to your lawsuit in 15 minutes.
Well, this is quite a pickle. You're being sued by Tulsa Teachers Credit Union (TTCU) and now you don't know what to do.
First of all, don't panic. Even though Tulsa Teachers Credit Union may be suing you for unpaid debt, you still have options.
Getting served a debt collection lawsuit is never fun. It can happen anywhere - at home, at work, or even in public. A stranger approaches and asks for you by name. They seem safe enough, so you reply, “Yes, that's me.” This stranger then passes you an envelope. Inside is a Complaint from Tulsa Teachers Credit Union. And it says you owe them money.
A debt collection lawsuit is a stressful affair. That stress can impact your ability to make quick, smart decisions. SoloSuit can help you make the decisive action necessary to fight your lawsuit. But there isn't much time. Although you have legal rights in this situation, you can't dilly-dally. In most jurisdictions, you'll have 14-30 days to respond to a debt collection lawsuit. In Oklahoma, you must respond within a 20-day time limit.
You can choose not to reply. About 90 percent of people involved in debt collection lawsuits never respond. But if you don't, Tulsa Teachers Credit Union can file a motion to win their debt collection lawsuit automatically. Debt collectors rely on their victims' inaction to win cases.
Don't let Tulsa Teachers Credit Union take advantage of you. Instead, develop a strategy to strike back. First, you'll need to gather as much intel as possible on Tulsa Teachers Credit Union. Armed with that information, you can mount your defense in a debt collection lawsuit.
Established in 1934, Tulsa Teachers Credit Union is the second-oldest credit union in Oklahoma. Today, they run nearly 20 branches in Oklahoma, mostly in the Tulsa area. They provide loans for a variety of purchases including homes, cars, credit cards, and more.
Sometimes, a borrower who received one of these loans can't make a payment. In that case, Tulsa Teachers Credit Union will issue a debt collection lawsuit.
Often, a defendant in a debt collection case will ignore the paperwork they receive. They hope if they just ignore it, the problem will go away. Out of sight, out of mind - right?
Wrong. Ignoring your legal problems won't make them go away. That will only make things worse.
Oklahoma may have a reputation as the lawless Wild West. But the Sooner State still has strict rules governing its court system. One of those rules allows you to reply to the accusations against you. This response is known as an “Answer.”
Each debt collection lawsuit has two main parties:
Your Answer tells the court why you're not required to pay the creditor. Courts will accept one of ten different defenses in your Answer. For example, if you can prove you never owed the debt in the first place, you'll win your case.
One common defense in Oklahoma is “improper process.” This means that if Tulsa Teachers Credit Union made an error in their paperwork, the court will dismiss your case. This happens more often than you'd think. That's why it's so important to respond to a debt collection lawsuit. This simple step may be able to dispel your case entirely.
Keep a few things in mind when filling out your response. First, never admit to anything. Force Tulsa Teachers Credit Union to prove their case against you. Also, make sure to file your Answer within the court-mandated time frame (20 days for Oklahoma). Finally, never lie on court paperwork. Always ensure the information in your Answer is completely truthful.
Not sure what to do if you're being sued by Tulsa Teachers Credit Union? Simple: you must respond. If you don't, you're giving up your ability to fight the claim. At that point, Tulsa Teachers Credit Union can ask the court for a default judgment. If that happens, your case is over - you lose. Once the court enters a judgment against you, Tulsa Teachers Credit Union has several options.
First, the creditor can file the judgment against you with the court. There's now indisputable evidence that you owe this debt. This means you won't be able to collect any awards from your own lawsuits until you pay this debt.
Second, Tulsa Teachers Credit Union could garnish your wages. A garnishment is a court order specifically for debt collection cases. They allow a creditor to take money directly out of a debtor's paycheck. That's not all, though. A creditor can also garnish any source of income including alimony, spousal support, and child support. Garnishments may continue until the entire debt is repaid - plus interest.
Third, a creditor can place a lien on a debtor's property. This means that you can't collect any money from any property you sell until your debt is paid. For example, if you sell your home, you must pay your debt before you may collect any money yourself. Creditors may place liens on any piece of property, from real estate to cars or heavy equipment.
How can you avoid these outcomes? Simple. Submit your Answer to the court with 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.
"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
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.