Jersey City Debt Defense Lawyers

Are You Facing a Lawsuit from a Creditor in NJ?

At Graham & Borgese, our Jersey City debt defense attorneys fully understand the stress and fear that come with being sued over a debt. That's why we are committed to making the process as easy and stress-free as possible. We recognize that individuals dealing with debt-related issues may not have the financial means to fight their creditors. To alleviate this burden, we offer highly affordable rates and flexible payment plans to all our clients. Our primary objective is to resolve your debt-related problems rather than exacerbating them. We will guide you through the entire process, explaining all available options, so you can make the best decision based on your specific circumstances.

If you are facing a debt lawsuit in Jersey City, please contact our offices today at (888) 801-7765 to arrange a free consultation.

Key Information About Debt Lawsuits in NJ

Regardless of whether you are being sued by a credit card company, bank, debt buyer, or credit union in NJ, there are certain legal obligations you must understand.

Once you have been served with a Summons and Complaint in New Jersey, you have 35 days to respond by filing an "Answer." Your Answer must address all the allegations made in the Complaint and present any valid Affirmative Defenses that you believe apply to the lawsuit. Failing to file your Answer within the 35-day timeframe can result in a default judgment entered against you, which has the same impact as losing your case.

Moreover, if you fail to respond correctly or present appropriate arguments, you risk losing your case outright. We strongly recommend hiring an attorney to handle both the response to the Summons and Complaint and the filing of your Answer. An experienced and knowledgeable debt defense attorney in Jersey City will ensure your Answer is properly formulated and filed with the appropriate court, preventing a default judgment.

Ignoring the lawsuit is the worst course of action. Ignoring it will not make it disappear; in fact, it will worsen the situation. If a default judgment is entered against you, the creditor can pursue remedies to collect the judgment.

Understanding Your Rights: Empowering Transparency in Debt Defense

When facing a lawsuit from a creditor, it's crucial to know your rights and the legal protections available to you. At Graham & Borgese, we believe that being informed is the first step towards regaining control of your financial future. Our skilled attorneys are dedicated to providing personalized support, ensuring that you understand every aspect of your case.

Here are some key rights you should be aware of during the debt collection process:

• Protection from Harassment: Debt collectors are prohibited from using abusive or threatening language to intimidate you.
• Validation of Debt: You have the right to request that creditors provide proof that you owe the debt in question.
• Fair Treatment: You cannot be treated unfairly or discriminated against because of your financial situation.
• Negotiation Options: You have the right to negotiate repayment terms or settlements based on your financial capability.

Understanding these protections can provide you with confidence as you navigate the legal landscape. Our experienced debt defense lawyers are here to answer your questions and advocate for your rights every step of the way. Don’t let a creditor’s lawsuit undermine your peace of mind—reach out to Graham & Borgese for a consultation today!

Why Choose Graham & Borgese for Your Debt Defense?

When facing financial challenges, having the right legal representation can make all the difference. At Graham & Borgese, our experienced team of debt defense lawyers in Jersey City is dedicated to providing personalized and strategic solutions for every client. We understand that each situation is unique, and we pride ourselves on crafting tailored legal strategies that align with your specific needs.

Here are some compelling reasons to trust us with your debt defense:

• Expertise and Experience: Our attorneys have extensive knowledge of debt defense laws and a proven track record of success in court. We are well-versed in navigating complex legal challenges and can effectively advocate for your rights.
• Comprehensive Support: We don’t just defend against lawsuits; we offer comprehensive financial guidance. Our team can help you explore proactive options like bankruptcy, negotiation, and settlement to regain control of your financial future.
• Transparent Communication: You will always be kept informed about your case. We believe that transparency fosters trust, so we ensure you're updated at every stage of the process.
• Free Initial Consultation: We offer a no-obligation consultation to discuss your situation and legal options. This allows you to make informed decisions without any financial pressure.
• Client-Centered Approach: Your peace of mind is our priority. We are committed to listening to your concerns and providing compassionate support during this stressful time.

Don’t face your debt challenges alone. With Graham & Borgese by your side, you have a strong advocate ready to protect your rights and help you achieve a fresh start. Contact us today to schedule your free consultation!

Our qualified debt defense lawyer in Jersey City is ready to help you. Get in touch via online form to make an appointment right away. Your initial consultation is free of charge.