Debt buyers count on consumers not responding—this is how they win most cases by default. Fighting the lawsuit forces the creditor to prove everything they’re claiming, and many can’t. When you defend yourself, you create the opportunity for dismissal, negotiation leverage, or a far better outcome than doing nothing.

Even if you believe you owe the debt, you still have rights. Debt buyers often lack complete documentation, miscalculate balances, or add fees they can’t legally justify. Defending the case helps ensure the claim is valid and gives your attorney the leverage to negotiate a significantly reduced settlement or challenge the lawsuit if errors are found.

As a client in the New Path Law Firm program, attorney-guided debt defense is included, drastically reducing the typical financial burden. You receive powerful legal representation with minimal to no upfront costs, eliminating the barrier to immediate action. Our fixed, transparent program pricing ensures the total cost of defense is often far less than the amount a creditor is seeking, making it a sound financial decision.

A wage garnishment cannot happen without a judgment. When you defend the lawsuit, you prevent the creditor from getting a judgment by default. Our attorneys work to stop garnishment before it starts, challenge improper claims, and negotiate solutions that protect your income and bank accounts.

Getting started is simple. Reach out for a free consultation, and our team will evaluate your lawsuit, explain your options, and recommend the best course of action. From there, we handle the filings, deadlines, and negotiations—giving you clarity, protection, and a path toward resolving your debt with confidence.

Once you have decided to stop paying on the debt, you will probably receive phone calls from the creditors. If you take their call, simply say that you are “experiencing financial hardship and that you cannot afford to make a payment at this time, but a payment will be made as soon as you are able to make one.” Do not provide a date or estimate as to when. Keep calls brief. You can tell the creditor that you are represented by a law firm, New Path Law Firm, who can be reached at 866-495-5485

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from harassment by third-party debt collectors who are attempting to collect debts on behalf of another person or entity (creditor). The FDCPA makes it illegal for a debt collector to do such things as use abusive language, make unrealistic threats, call you repeatedly, call you before 8 AM or after 9 PM, unless you agree to it. You can read more about your rights under the FDCPA at https://www.consumer.ftc.gov/articles/debt-collection-faqs (https://www.consumer.ftc.gov/articles/debt-collection-faqs) If you believe that your rights have been violated, please document it and let us know.

It is unlikely, but possible. If it happens, do not panic. We have handled thousands of lawsuits from creditors, we are here to help. Please contact us right away so we can discuss options on how to fight back.