March 31, 2021
Summary: Did you come home to find a note from the local sheriff's office? Find out what to do next.
Coming home after a day's work or running some errands and you see a note on your door. Upon closer inspection, you realize that the note is from your local Sheriff's office. If this happens to you need to be aware of some things. Normally this occurs when a suit has been filed (by one of your creditors) and the Sheriff has the responsibility to serve the summons to you. When the Sheriff's deputy arrived at your home and there was no answer, they will leave a note for you to call their office.
This situation can also arise from your landlord as a result of non-payment or late payment of your rent. In any case, it is in your best interests that you address this notice as soon as possible. But how?
If you have come home to a notice from the Sheriff, chances are good that you know who originated this event. It is either from a creditor who hasn't received payment or your landlord if you are late with your rent.
Contacting the creditor is the best avenue towards resolving this situation. The fact that your local Sheriff's office is attempting to serve a summons on behalf of a creditor does convey that the debt has reached a critical point.
The creditor has filed suit and is utilizing the Sheriff to serve the summons. Receiving a note from the Sheriff may be the last opportunity for an individual to avoid having to go to court. While the creditor has signaled their intent to go to court to obtain a judgment against you, there may be sufficient time for you to address this situation before the account ends up with a judgment against you.
The process of a creditor securing a judgment is a long period of time depending on your county and state. Additionally, if the debt in question is a result of a credit card account, the creditor would probably not be able to take your house or garnish your wages. It varies depending on the jurisdiction. Those limitations should not preclude you from taking action to protect yourself.
One such action is to contact SoloSuit. SoloSuit offers a free resource tool for consumers that have any issues with debt collection. They have multiple resources that can assist any individuals with their specific needs. Designed by a legal school design lab at the BYU Law School, Solosuit is helping American consumers navigate through the legal waters of being sued for debt.
It would be beneficial to find out every path available to you if you find yourself the holder of a note from the Sheriff's office. This is where Solosuit.com can help you. They say knowledge is power. Why not arm yourself with the most knowledge for your specific situation?
Gathering information is your best bet to prepare a plan on how to address the creditor. The initial choice is simple once you have received a note from the Sheriff. You can ignore it or you can take action. Let SoloSuit provide you with the information you need to make the best choices going forward.
Keep in mind that if you choose to ignore the note, the Sheriff will in all likelihood attempt to serve the summons again. If they have your employment information, they could choose to serve you while you are at work. They would probably not go on indefinitely but they will make more than one attempt. That's why choosing to take action whether it is to call the creditor or contact the Sheriff is the best path for most.
Ignoring this will in most cases lead to a default judgment against you. Once a creditor has a judgment against you, especially if you are unaware, could prove embarrassing or even costly. Depending on the debt, the amount, the county in which the judgment was obtained, determines exactly what actions the creditor can take to satisfy the judgment.
Now that you have decided to take action, acquiring the insight needed for you to proceed with your best interests at heart. If you contact the Sheriff, they will most likely set up a time and place for you to accept the summons. If you contact the creditor, you may be able to work out an arrangement towards resolution and avoidance of the impending lawsuit.
Ultimately, the creditor wants to get paid. Some old business adages come into play: Something is better than nothing. Don”t spend good money after bad. The creditor wants to get paid and many of them are willing to work out an arrangement if they feel their customer is making a good faith effort to pay the debt.
Some creditors are intent to proceed with their suit. Even having that knowledge would put you in a better position than not knowing. Because this debt has reached the point of a legal proceeding, you may need an attorney. It can certainly be a scary thing to go through, this is one reason why you should consider contacting 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.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.