Sarah Edwards | November 18, 2022
Summary: If you want to initiate a civil lawsuit, it might be best to look into finding legal representation. If you are the one being sued, you don’t need a lawyer to win your case. Use SoloSuit to respond to a debt collection lawsuit and increase your chances of winning by 7x.
You might consider filing a civil lawsuit if you’ve suffered physical or financial losses due to someone else’s actions. While a civil case can’t restore your health, it can entitle you to monetary damages you can use to get back on your feet following an unfortunate incident.
There are numerous examples of civil lawsuits. Some of the most common involve personal injury claims, contract disputes, and product defect claims. In a civil suit, the plaintiff (person suing) must prove that the actions of the defendant (person being sued) caused them harm and led to their losses.
Civil claims differ from criminal cases in that the defendant won’t go to jail if they’re found responsible for an accident or injury. However, a plaintiff who successfully proves their injuries in a civil claim will receive some type of award, usually for monetary damages.
It can be tempting for some people to handle a civil lawsuit on their own, especially if they don’t have much money or they’re suing someone in small claims court. However, it’s a common misconception that hiring a lawyer is prohibitively expensive and that plaintiffs must pay exorbitant upfront costs for their services.
In reality, most civil litigation attorneys don’t bill by the hour or charge their client's fees upfront. Instead, they offer contingency agreements. Under a contingency agreement, the plaintiff only pays the attorney if they win a settlement or court verdict on their behalf.
The amount the client pays for legal services is a percentage of this award, which will vary depending on the lawyer’s expertise and the case's complexity.
A civil litigation attorney is responsible for evaluating the claim, determining which laws apply, and assembling evidence to support the case against the defendant.
Civil litigation attorneys help clients understand their rights and assess the strength of their potential claims. With an attorney, it can be easier to figure out whether someone is at fault for your losses and your various alternatives.
A civil litigation attorney will handle your case from start to finish, ensuring your case has proper support. They may work with law enforcement officials, experts in specific industries, and others to gather the relevant documentation and evidence. They’ll also handle all the paperwork concerned with your claim, which can be excessive.
Your civil litigation attorney can also negotiate on your behalf with the defendant or the defendant’s insurance agency to reach a settlement agreement before the court date. Civil litigation cases often resolve through settlement without needing to go to court.
Lastly, your attorney will know how much your case is worth, so they’ll be able to advise you if a defendant's settlement isn’t fair to you. They’ll also push the defendant to come up with a better offer or risk a challenge in the courtroom.
Unless you’re a lawyer, it’s best to hire an attorney to help you with a civil lawsuit. Civil litigation is complex, and a professional attorney can lend your case the attention and professionalism required to ensure you have adequate representation.
The only time it may be appropriate to handle civil litigation is if you’re pursuing a small amount in damages in small claims court. If an adverse outcome of the case won’t be a severe detriment to you, it may not be worth hiring an attorney.
For instance, hiring a lawyer probably isn't worthwhile if you’re involved in a small claim of less than $500—you’d likely end up owing the lawyer more than your potential loss.
Let’s look at an example.
Example: Tommy is being sued by a debt collector for an old credit card debt of $790. He looks around online to find an attorney, but most charge more than the debt he allegedly owes, and many do not take on cases with such a small monetary amount. So, Tommy decides to use SoloSuit to represent himself in court and respond to the lawsuit. He fills out an Answer form on the website, has an attorney review the document, and SoloSuit takes care of filing for him. A few weeks later, Tommy is pleased to hear that the debt collector has dropped the case.
Watch this video to learn how to represent yourself and sound like a lawyer in your debt collection case:
Most civil litigation cases, like personal injury claims, resolve through settlement.
If you’re bringing a claim against a defendant and their insurance provider, the insurer will likely seek to settle rather than go to court, especially if your case is strong. The insurance company will know they have a strong chance of losing a trial. As such, they’ll want to avoid the additional expense of preparing for court.
If a civil litigation matter resolves through settlement, it may take less than a year to recover damages from your claim.
Defendants unwilling to offer a settlement may force the case to court. Typically, a defendant will refuse to settle if they believe they have a winning strategy or don’t want to offer a large payout through settlement. Causes that go to court may take several years to resolve.
An experienced attorney can advise you of the likelihood of your civil litigation settling or ending up in a courtroom.
If you’re the one being sued, hiring an attorney isn’t always necessary. Here’s why.
When you get sued for debt, there is a good chance that you are not in a financial position to hire an attorney to take on your case. As we mentioned before, hiring a lawyer can end up costing more than the debt in question anyways. Plus, it can take a lot of time to find the right kind of attorney, and you have to respond to your case before your state’s deadline in order to avoid losing by default.
SoloSuit empowers people, like you, to represent themselves in court and beat debt collectors. This saves people a lot of money, time, and stress. We provide customized legal documents to help people respond to debt lawsuits and increase their chances of winning by 7x.
Here’s how it works.
To respond to your debt collection lawsuit, use our Answer form to do the following:
You can do all this without hiring a lawyer. To learn more, check out this video:
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
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
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 Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
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 Spouses 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?
How Many Times Can a Judgment be Renewed in Oklahoma?
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?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
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
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im 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? Heres 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
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather