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How to Settle Debt With Pallida LLC

Chloe Meltzer | July 30, 2024

Chloe-Meltzer
Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Are you being sued by Pallida LLC? Not sure what to do next? Find out how to respond to a debt collection lawsuit from Pallida LLC and win in court.

When it comes to a debt lawsuit, most likely the person or company suing you is not your original creditor. This is because your debt is often sold to a debt collector or debt buyer. If your debt has been sold to Pallida LLC, then most likely a lawsuit is already in process.

Most often Pallida LLC buys the collection rights to debts that are worth pennies on the dollar. Although the debts may be cheap for them to purchase, they are much more likely to use the legal system to go after you versus your original creditor. It might even be the first time you have contact with Pallida is when they are suing you. In the event that you are sued for debt by Pallida LLC, you need to take the following actions.

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Do not get overwhelmed by the lawsuit

When first being sued for debt it can be easy to get overwhelmed. Be sure to remain calm and firmly face Pallida LLC. Sometimes they prey on consumers who are struggling and overwhelmed. To avoid this, you should start You mustn'tby simply responding. This is because they assume you won't respond or challenge them. If you do, they assume that you won't show up in court either.

Be sure to respond promptly

In any case, you should not ignore the situation. You need to ensure that you respond. Most consumers do not respond and this leads to a default judgment. Default judgments will allow Pallida LLC's lawyers to add extra fees and penalties and then even freeze your bank account. They can also garnish wages, and leave you in a worse place than you were in before.

Examine all of the information

You can examine and read all of the information by reading through all of your documents thoroughly. This may be stressful, but you need to outline the different aspects of the debt case. This might include the dates of various events, how much you owe (or don't owe), as well as the timeline.

You need to ensure that you understand the timeline in which you need to respond, as well as the date of your court appearance, and the claim against you. It depends on your state, but you have a specific date to respond.

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Meet all of the deadlines

As outlined in your summons, you will have a specific amount of time to respond, and if you do not respond a default judgment will be placed against you. Try not to waste any time because this could mean losing your case.

File a legitimate response

Even if you cannot afford to pay off your debt, it does not mean that the lawsuit will not be pursued. It is essential that if the debt is yours, you work to figure out a settlement. Bank or wage garnishment may force you to pay overtime and force you to relinquish control as well. In many cases, you may want to seek the counsel of a Consumer Credit Attorney. You may be able to find this type of attorney at a much lower cost with extended payment plans.

Continue to respond as the case goes on

After the initial response, there will be a lot more to respond to. You should be prepared to respond to all continued correspondence. Before the court date occurs there may be various other aspects. You may need to provide more information as well as more documentation. If they make a request and you do not answer it, then the judge may deem you uncooperative. This will not be good for your favor.

Ask Pallida LLC to verify the debt

You should never fold and make it easy for Pallida to sue you. You have the right to get whatever information you want, as well as to demand your debt be verified. You should ask for the amount of the original debt, as well as force them to justify any fees or penalties. You should not allow false accusations to stand. Be sure to ask for proof and make sure it is proven.

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Do not make payments on the debt

It is essential that you do not make payments on the debt in question during the lawsuit. Although you may think this will get Pallida LLC off your back, it will not, Instead, it will invoke the statute of limitations. This may make you eligible to be sued for the debt even when you should not be sued for it. This is because after a certain amount of time you can no longer be sued for debt based on the statute of limitations. If you may a payment it might restart this time period.

Negotiate a settlement

In some instances, you may want to negotiate a settlement out of court. This would be before the case comes to trial. If this occurs, you should get a written agreement that resolves the debt in full. Settling should only be done if you feel like it is your choice. Do not have Pallida LLC sway you to one way or the other. Simply make sure you have it in writing. Whether it is one payment that clears your debt, or a few specific payments, you need receipts for it all.

If you think you are in over your head, you can contact an attorney. This is not always necessary, but you may want backup representation when the suit goes to court. Because Pallida LLC often has a team of lawyers, they will be ready for anything, and you need to be as well. Bankruptcy is always an option, but not the best option for everyone. This should be taken very seriously and you should understand that it will follow you for the rest of your financial life.

For more information on how to settle debt with Pallida LLC, watch the video below:

>>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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