You may be able to take action before getting sued
Before filing a lawsuit, a creditor will often charge late fees, send you a series of notices, or contact you by phone. There are laws in California thatlimit what the creditor can do when contacting you.
Negotiating with the creditor to settle a debt before a lawsuit is filed is often the least expensive way to resolve a debt. This is because neither side has invested in court costs or spent much effort trying to collect the debt.
See Also
Debt SettlementGuide 6: My Unpaid Medical Bill Was Sent to Collection Agency - Community CatalystHow to Deal With Debt Collectors: 3-Step Guide - NerdWalletFighting Back Against Collection LawsuitsLearn about how to resolve a debt before a lawsuit
If you're being sued, you'll receive official court papers
If you are being sued,you’llreceive at least two documents. One is called aSummonsand the other aComplaint.
These documents are typically handed toyou ormight be left with someone 18 years or older at your home, work, or mailing address.
