Receiving a lawsuit notice for medical debt can be a frightening experience. The stress of mounting bills, coupled with the fear of legal action, can feel overwhelming. But don’t panic – with a debt attorney, you have options, and understanding your rights is the first step towards resolving the situation.
In this post, we’ll guide you through the essential steps to take if you’re being sued for medical debt in Texas. Heston Law Firm can be your trusted advocate during this challenging time. Contact us for a free case consultation today.
1. Don’t Ignore the Lawsuit
The worst thing you can do is ignore the lawsuit. Doing so will likely result in a default judgment against you, giving the creditor more power to collect the debt, potentially through wage garnishment or bank account levies.
2. Review the Information Carefully with a Debt Attorney
Read the lawsuit thoroughly to ensure the debt is accurate and belongs to you. Check for errors in the amount owed, the dates of service, or the identity of the debtor. If you find discrepancies, you might have grounds to challenge the lawsuit.
3. Respond to the Lawsuit
You typically have a limited time to respond to the lawsuit, usually 20 days in Texas. Failing to respond can result in a default judgment. Your response options include:
- Answering the Lawsuit: Your debt attorney can dispute the debt or raise any defenses you might have.
- Filing a Counterclaim: If you believe the medical provider made errors or overcharged you, you can countersue.
4. Gather Documentation for your Debt Attorney
Collect all relevant documents related to the debt, including medical bills, insurance statements, and communication with the creditor. These documents can be used by your debt attorney for crucial evidence in your case.
Know Your Rights
Remember, you have rights as a debtor. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or abusive tactics. If you believe your rights have been violated, a debt attorney can help you take action.
Heston Law Firm is Here for You
Dealing with a medical debt lawsuit can be complex and stressful. Heston Law Firm’s experienced debt attorneys specialize in this type of law and can provide the guidance and support you need. We can:
- Evaluate Your Case: We will assess the lawsuit’s validity and explore potential defenses or counterclaims.
- Negotiate with the Creditor: We can attempt to negotiate a settlement for a reduced amount or a payment plan you can afford.
- Represent You in Court: If necessary, we will defend you in court, protecting your rights and interests.
- Explore Bankruptcy Options: If your debt is overwhelming, we can advise you on whether bankruptcy might be a viable solution.
Take the First Step Towards Resolution
Facing a medical debt lawsuit doesn’t mean you’re out of options. With the right legal guidance and support, you can resolve the situation and move forward with your life. Contact us today for a free case evaluation.
