You may have a debt, but you also have a defense.
Summary: Are you being sued by Holloway Moxley for an old debt? Make the right defense and win your case.
When you are past due on your debts you may find that your debt has changed hands multiples times. This is because your debt is often sold or assigned to a third-party debt collection agency, such as Halloway Moxley. In this case, Holloway Moxley will attempt to collect the debt from you. In extreme cases, you may find yourself being sued. If you are unsure of what to do in this situation, there are a few steps to can take to ensure that you are in compliance with the law and to avoid making matters worse.
What to do when being sued by Holloway Moxley
When you are being sued for a debt you will need to go through a specific set of processes in order to beat the debt collector. This will be time-consuming, but it is possible.
The timeline for each debt lawsuit will be different, but it should somewhat go along the following lines.
- Receive notice of the debt. This may be a call or a letter 180 days past due.
- Within five days of contacting you, you must be given a debt validation letter. This states how much you owe on the debt, the name of the creditor, and the method of disputing the debt if you do not believe you should pay it.
- If you do not owe the debt you should ask for a verification letter. This must be sent within 30 days.
- If you do owe the debt you must respond and create a plan to pay off the debt.
- If you do not respond you will be sued.
- You must respond to your court summons.
- If you do not respond a default judgment or court order will be placed against you. This is very bad and can mean that your wages will be garnished or a lien will be placed against your property.
Use SoloSuit to make the right defense in 15 minutes.
Respond to the lawsuit
After verifying that the debt is legitimate, you will want to ensure that you respond. This is essential to avoid losing complete control of your case. Although you might be scared to be part of a debt lawsuit, ignoring it will not change the outcome.
Responding ensures that a default judgment will not be placed against you. This is important because a default judgment is what opens up avenues of collection for the debt collector including wage garnishment and property seizure.
Challenge the lawsuit
Because debt collectors are often third-party agencies, there is a lot of opportunities to challenge the lawsuit if you feel the debt is not legitimate. This could be for one of the following reasons:
- You are the wrong person being sued: This is common for people with similar names.
- You already paid the debt previously: In some cases, your information may be wrongly sold which means you may have already paid off the debt.
- The debt amount is incorrect: Even if you owe the debt, the amount may be incorrect. This is why you need to look into it to ensure that the amount is correct
- The statute of limitations has passed: The statute of limitations is the amount of time that a debt collector can collect the debt from you. This may be from three to 20 years and it will depend on where you are being sued as well as the type of debt you are being sued for.
Avoid a default judgement by responding to your debt collection lawsuit fast with SoloSuit.
What to do if you disagree with the lawsuit
If you're being sued for debt and you disagree with the lawsuit then you will need to file a response stating that. This will give you the chance to fight the lawsuit. You should bring documentation to show:
- Name of the creditor
- If the debt has been paid
- If the debt is accurate
- If the debt is past the statute of limitations
- If the debt collector has violated the FDCPA
What is the FDCPA?
If your rights have been violated by a debt collector, then they have violated the Fair Debt Collection Practices Act. The FDCPA is a set of rules that govern how debt collectors may treat consumers. These rules mean that debt collectors may not:
- Contact you at odd hours, such as outside the hours of 8 a.m. to 9 p.m.
- Engage in harassment such as profanity or threatening harm.
- Partake in unfair practices. This might include threatening to take your property when they do not have the legal right or depositing a post-dated check early.
- Contact you once after you are represented by an attorney.
- Make fraudulent claims, stating you owe more than you do or misrepresenting who they are.
Use SoloSuit to protect yourself and your assets from shady debt collectors.
Decide if you want to accept the lawsuit
There are a few choices you have when you are dealing with a debt lawsuit. You can either decide to accept the judgment and go to court, accept the judgment and avoid court, settle, or see if you are judgment proof, or file for bankruptcy.
If you want to accept the judgment but want to avoid court, you may be able to negotiate a settlement. This means that you can try to pay off the debt either on a payment plan or for less than the amount you originally agreed to. Another option is to see if you are judgment proof. This means that you make below a certain amount of money per month, meaning your wages cannot be garnished.
If you have other financial problems as well and you feel that your debt is so significant that you cannot manage it, you may look into filing for bankruptcy. This should only be a last resort option, but it is an option. In some cases simply threatening to file for bankruptcy can also help you. You do not need to file, but it can help you to negotiate a settlement instead.
When fighting Holloway Moxley in court be sure to stick to your guns and never admit fault. This will ensure that you can fight the 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
>>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
How to answer a summons for debt collection guides for other states
Here's a list of guides for other states.
All 50 states.
Guides on how to beat every debt collector
Being sued by a different debt collector? We're making guides on how to beat each one.
Win against credit card companies
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Get answers to these FAQs
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can I Stop Wage Garnishment?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouse's Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
What Is a Warrant in Debt?
How Many Times Can a Judgment be Renewed in Oklahoma?
Can an Eviction Be Reversed?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
Do I Need a Debt Negotiator?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Learn More With These Additional Resources:
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
How to Liquidate Debt
Arkansas Statute of Limitations on Debt
You're Drowning in Debt — Here's How to Swim
Help! I'm Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Here's What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
How to Stop a Garnishment
Debt Eraser Review