How to Beat Mannbracken in Court

Chloe Meltzer

September 17, 2021

Debt collectors ^

Summary: Is Mannbracken threatening you over an old debt? Not sure how you're going to win the fight? Learn how to respond to debt collectors like Mannbracken and beat them in court.

Mannbracken LLC is often a non-cooperative debt collection agency. Although they often present themselves as a law firm, they are not. If you are being sued by Mannbracken try not to panic and simply realize that you need to respond. The first step is to ensure that you were properly served with the summons. This should include proper validation of the debt, and if you choose, you may contact the lawyer running the case for Mannbracken against you.

In some states, collection agencies must be licensed in the state to operate legally. Therefore if you are contacted or sent a summons, you may look at the licensing details in the state licensing database. After retrieving this information you should look into whether or not the case is legal and you can be sued for this debt.

Don't ignore a debt collection lawsuit. Respond with SoloSuit.

If you do not pay your debt then your case will first be sent to a creditor like Mannbracken. In this case, you may get collection notices. If you ignore the debt then eventually you will be sued. You must know your rights because collection agencies and attorneys cannot harass you to force you to pay a debt. For example, debt collectors cannot do the following under the Fair Debt Collection Practices Act (FDCPA):

  • Contact people such as your neighbors, relatives, or employers regarding your debt.
  • Contact you at odd hours (before 8:00 A.M. or after 9:00 P.M.)
  • Contact you at work if you explain this is not allowed
  • Contact you directly if you have a lawyer
  • Continue to try to collect the debt if you have disputed the debt in writing
  • Lie to you about the debt
  • Harass you in any way

How to stop a debt collector from contacting you

If you tell a debt collector in writing to stop contacting you, then they are required to respect that. The only time the debt collector can contact you after you have requested that they stop is to let you know that they are filing a lawsuit against you. This becomes illegal, and you may sue them for damages.

Despite this, this will not eliminate your debt. The collectors will still be able to ruin your credit score by submitting information to the credit bureaus. This is why you must respond. If you do not respond, then there will be a default judgment placed against you. This essentially means that you lose your case before being able to defend yourself.

In many cases, Manbracken may ask you to participate in the arbitration process. If you do not wish to do this you may send a “refusal of arbitration letter”. To conduct the arbitration successfully, you will then be required to prove that you have given consent for this and that the account was with the original creditor during the period of arbitration.

Make the right defense the right way with SoloSuit.

How to respond to a debt lawsuit

Typically you will have anywhere from 20 to 30 days to respond to a debt lawsuit. This means you need to be sure to respond and then appear on time. When you respond to the debt lawsuit, you will need to file this with the court. When doing so, you can list your defense to the lawsuit if you feel you should not be sued, and you may have to go to the court case.

What happens after you file an Answer

Once you file an answer, a hearing will be scheduled. Then you will have the chance to prove that you do not owe the money, that you already paid it, or if you have another defense to the lawsuit. There are a few options. The first is that you may be given a judgment against yourself. This happens if you lose the case. This is when your wages can be taken, as well as your assets. You want to avoid this.

Instead, try to see if you are judgment proof. This means that you or your case cannot legally be sued. In some cases this means that your income and assets are exempt from collection, but not always.

Use SoloSuit to respond to a debt collection lawsuit in 15 minutes.

Statute of limitations

The statute of limitations is a law that governs how long you may be sued for a debt. In some cases, this might be two years, but it can be as long as 20 years. The average length of time for the statute of limitations is four to six years. Some debts may be past the statute of limitations and in this case you need to be careful not to make even a $1 payment on this debt.

This is because the statute of limitations will start over from the last payment you made. This means that even if the statute of limitations has already expired you can restart it simply by making a payment. This is good for the debt collector and bad for you.

Avoiding wage garnishment

Your wages can only be garnished if the debt collector wins the lawsuit against you. This follows a judgment. There are limitations on what a debt collector can take from you depending on how much you make. If you make less than a certain amount after taxes, then your wages cannot be garnished. As a rule, a debt collector can only take 10% of your paycheck.

Don't let debt collectors seize your wages or property. Respond with SoloSuit.

Filing bankruptcy

Filing for bankruptcy should always be a last resort option. It can be expensive and also follow you for the rest of your life. It will hurt your credit. You are not required to have an attorney to file for bankruptcy, but it is always a good idea to speak with a professional who is experienced with bankruptcy.

When it comes to fighting Mannbracken in court it is essential to weigh your options and examine your case. Find all available avenues to legally get the suit dropped, and in the event, you are unable to get it dropped, you should attempt to settle.

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


Get Started


>>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 in your state

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?

SoloSuit FAQ

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