How to Beat Nathan and Nathan PC

Chloe Meltzer

February 10, 2021

Spend less time chatting and more time responding to debt collectors.

Summary: When Nathan and Nathan PC come looking for you to repay your debt, it can be a stressful situation. Avoid summary judgment by responding to lawsuits with the right affirmative defense.

If you are being sued for debt from a collector named Nathan and Nathan PC, you may be worried, stressed out, or unsure of where to turn next. Typically, this will come in the form of a summons threatening a lawsuit for debt.

This notification of a debt lawsuit can occur for various reasons. Whether it is for unpaid medical debt, credit card debt, or other forms of consumer debt. If you are being taken to court by Nathan and Nathan PC, your debt was most likely sold to this company by the original creditor.

What is important to note is that if you do not respond, matters will get worse. Your number one concern should be responding within the allotted time or attending the court hearing as requested by the court. Otherwise, it may result in a default judgment.

Use SoloSuit to respond to debt collectors fast.

Know What Happens Next After You're Sued for Debt

Lawsuits are extremely common when it comes to debt and are an effective method of persuading consumers to pay their debt. A summons will provide you with information about when you are expected in court and how you can file a formal response. Typically, you are given anywhere from 20 to 30 days to respond.

Debt collectors send you a summons with hopes that you will not attend the hearing. If you do not respond, then the judge will automatically file a default judgment. After obtaining a default judgment, Nathan and Nathan PC may be able to:

  • Garnish your wages
  • Place a lien on your property
  • Freeze the money in your bank account

Protect your property by filing a response with SoloSuit.

Beat Nathan and Nathan PC in Court

Gather Information

Although Nathan and Nathan PC is suing you, they are not your original creditor. This is because your original creditor (whether that is your credit card provider or a lending company) most likely sold your debt. Nathan and Nathan PC is a debt collector who most likely purchased your debt from the original creditor.

Oftentimes debt accounts are sold more than one time. This allows old debts to come back alive after many years. After you receive the summons, gather as much information as possible. Be aware that you typically have 20 to 30 days (from the date you were served) to file a response.

While you gather information, you should also try to determine if your debt is past the statute of limitations. The statute of limitations is a period in which a creditor or debt collector can legally sue you for debt. Once this period passes, the debt is considered “time-barred,” which means you cannot be sued. Despite this, debt collectors may try it. Although you can no longer be sued for a debt, it may continue to hurt your credit.

Protect your credit score with SoloSuit.

Respond to the Lawsuit

After receiving notice for a debt lawsuit from Nathan and Nathan, you need to begin by responding. If you do not respond you run the risk of a default judgment, which involves putting your bank account, wages, and property at risk. You will also lose the ability to fight the debt at all.

When you respond to the lawsuit, do not accept guilt. You should respond and request the following information, which you are legally entitled to:

  • Know who the creditor is
  • Proof of how the amount is accurate
  • Proof that you owe the debt
  • Decide whether you actually owe the debt

Organizing your defense can be extremely complicated, so you must do your due diligence. Be aware that you may also need to pay a filing fee, but there is the option to request a fee waiver if you cannot afford it. Ask the court clerk for information on this.

File the right affirmative defenses with SoloSuit.

Get Ready for the Hearing

Showing up for your hearing is the most important part of a debt lawsuit. This is the point where the judge will decide if you will be required to pay the lawsuit. This is also your chance to prove your defense or negotiate a deal with the creditor.

If You Owe the Debt

Seek out the creditor before the hearing. You have two options:

  1. Ask to set up a payment plan that you can afford to pay off the debt slowly.
  2. Settle the debt for less than you had originally owed. Typically you may be able to obtain a deal. If you do score a deal, get a written agreement that states what Nathan and Nathan PC needs to consider the debt fully settled. They should also agree to report it to the credit bureaus as paid.

If You Owe the Debt But Do Not Think You Should Pay

There are many reasons why you may refuse to pay a debt. There are specific defenses known as “affirmative defense” that you may use:

  • What you bought was defective, or you never received it
  • The debt contract was illegal, or you signed it based on coercion
  • The contract of debt that you signed was canceled with the lawful time frame

These affirmative defenses are a sure way to having your debt forgiven.

If You Do Not Owe the Debt

If you are being sued for a debt that you do not owe, or for an amount you did not agree to, then you can push back on the burden of proof. By simply asking for proof, creditors are required to bring forth the original debt contract. They will also be required to prove why they believe the amount specified. Otherwise, the case will be dismissed.

Use SoloSuit to respond to debt collectors and win in court.

Beating Nathan and Nathan PC

Although beating Nathan and Nathan PC may feel impossible, it isn't. If you decide not to hire a lawyer to defend you, then you will need to do your due diligence, and work to make a solid case. This might involve a countersuit, bringing forth the statute of limitations, reporting harassment by Nathan and Nathan, or simply contesting the debt. Just remember you have options, and, before you do anything else, respond to the lawsuit.

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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