Start My Answer

How to Beat Pallida LLC in Court

Chloe Meltzer | December 02, 2022

Win in court against debt collectors.

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.

Respond to a debt collection lawsuit in 15 minutes with SoloSuit.

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.

Pick the right affirmative defense with SoloSuit.

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.

Force 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.

Use SoloSuit to file a response to a debt collection lawsuit and win in court.

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.

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