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Debt Defense Attorneys in Jersey City
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 comes 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.
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.
Some of the remedies available to creditors include:
- Wage Garnishment: In New Jersey, a creditor awarded a judgment against you can garnish either 10% of your gross salary (when it exceeds $217.50 per week) or 25% of your disposable earnings.
- Bank Levies: In New Jersey, a creditor can request a "writ of execution" from the court, enabling them to seize funds from your bank accounts to satisfy the judgment amount.
- Property Liens: Creditors can place liens on any property you own. This means that when you attempt to sell the property or refinance your mortgage, you must first pay off the lien.
“I spoke with Kris Graham who was very nice and answered all of my questions.” - Christina P.
“I was so grateful for their straightforward communication as they explained the options I had ahead of me.” - Heather F.
“I cannot believe how quickly Kris Graham and Frank Borgese settled my case!” - Bill S.
Our dedicated focus is on debt-related issues, including defending consumers facing debt lawsuits. This means we possess the knowledge and experience required to help you fight back against your creditors. Our track record speaks for itself, as we have successfully assisted numerous consumers in resolving their debt-related problems.
By engaging our firm, our Jersey City debt defense attorneys will enable you to:
- Avoid dealing directly with aggressive debt collectors or credit card companies.
- Avoid the need to appear in court personally.
- Avoid the complexities of learning legal processes and procedures.
- Prevent a judgment from being entered against you.
- Obtain validation of your debt before reaching a settlement.
- Attain a fair and reasonable settlement that suits your circumstances.
- Safeguard your credit report from detrimental judgments that can severely impact your credit score.
- Prevent wage garnishment.
- Protect your bank accounts from freezing.
- Safeguard your property against liens that would impede the sale of your home.