Start My Answer

Can You Serve Someone with a Collections Lawsuit at Their Work?

Chloe Meltzer | December 01, 2022

Stand up to credit card companies.

Summary: Being sued can put you in a stressful situation especially if you are served your papers while at work. Find out how to react when you find out about your lawsuit at your place of employment.

When you are served with a collections lawsuit, it can be ego damaging, let alone if there is someone around to see it happen. This is why there are strict laws in place to protect you as a consumer. Despite this, you can still be served with a collections lawsuit at work. But debt collectors cannot discuss the details of your suit.

You Can Be Served with a Collections Lawsuit at Work

Although embarrassing, you can be served with court papers for a collections lawsuit at work. Most often, they will attempt to serve you at your home first. But if the wrong address is present or you have been avoiding them, the next step is to go to your work.

Don't avoid debt collectors. Respond fast with SoloSuit.

The Fair Debt Collection Practices Act Protects You

The Fair Debt Collection Practices Act (FDCPA), is a group of laws that protect you (as a consumer) from debt collection companies. Debt collections agencies are legally banned from using abusive, unfair, or deceptive practices to collect debts from you. Other violations of the FDCPA include:

  • Continued attempts to collect a debt that is not owed
  • Illegal or unethical communication tactics
  • Failure to announce as a debt collector
  • Threatening violence or other illegal action on the debt
  • False statements or lying of any kind
  • Improper contact
  • Sharing information regarding the debt with anyone other than your spouse (or parent if under the age of 18)
  • Excessive phone calls

If a debt collector breaks any of the laws in this act, you may be able to counterclaim, or essentially sue them back.

Act Fast When You're Served with a Collections Lawsuit at Work

When you are served at work it can feel embarrassing. The bright side is that as long as the debt collector abides by the FDCPA, no one will know why they served you. The next step you should take is to prepare your response and work on your case.

Respond to the Debt Collector

Typically you will have anywhere from 20 to 30 days to file a written response. You may need to pay a filing fee, and if this is unmanageable, you can request a fee waiver. You must respond. If you do not respond, it may lead to a default judgment.

Use SoloSuit to respond to debt collectors in 15 minutes.

Avoid a Default Judgment

If you do not respond, or simply do not meet the filing deadline, the creditor will request to enter a default judgment. You want to avoid this because often the court will award the creditor the amount they requested. This essentially means you have lost your case. It is better to respond with hopes to settle instead.

Stop Sulking and Start Working on Your Response

The bottom line is that you can be served at work. Although this is not ideal, you will need to move past it and work on your response. You can also investigate other options such as a counterclaim if they violate the FDCPA, or challenging the statute of limitations. In the end, whatever you do, do not accept responsibility.

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 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?

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?

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