“Messerli and Kramer served me papers, what now?” If Messerli and Kramer served you papers, you may feel overwhelmed, but you have options for stopping debt collection. You can challenge the debt, stop improper collection efforts, or even seek protection under federal bankruptcy laws to pause creditor calls and eliminate what you owe. A debt collection attorney at Walker & Walker Law Offices, PLLC can assess your legal options and explain what steps to take next. Here is a short guide to stopping debt collection.
Responding to a Debt Collection Summons Is Essential
When you receive a debt collection summons, responding is absolutely necessary. Ignoring it will not make the case go away, and it almost guarantees a default judgment against you. A default judgment gives the creditor powerful tools such as income garnishment, bank levies, and property liens.
By responding to a lawsuit by Messerli and Kramer on time with representation from a debt collection attorney, you preserve your rights and force the collector to prove their case. Many debt buyers lack the documentation needed to show they legally own the debt or that the amount claimed is accurate. Filing an answer also gives you the chance to raise defenses, dispute errors, and negotiate from a stronger position. Even if you believe you owe the debt, responding protects you from automatic losses and opens the door to possible settlements or dismissal.
Can Bankruptcy Stop Debt Collection?
When you file for bankruptcy protection, you receive temporary relief through an automatic stay. This stops creditors from continuing collection efforts while the case is pending. If you receive a discharge at the end of the bankruptcy process, you would no longer owe the discharged debt, and the creditor would be unable to pursue collection.
However, bankruptcy is not the only option when served papers by Messerli and Kramer to recover an outstanding balance. Discuss the best option with your debt defense lawyer.
Potential Defenses to Debt Collection Lawsuits
Several defenses may help stop debt collection and reduce or eliminate liability when you face a Messerli and Kramer lawsuit for a debt. One common defense is a lack of standing if the collector cannot prove they legally own the account. You may also challenge the accuracy of the balance, interest, or fees when documentation is missing or incomplete.
The statute of limitations can be a strong defense if the debt is too old to collect. In some situations, identity theft or mistaken identity may be involved. You may also raise violations of the Fair Debt Collection Practices Act, which can weaken the collector’s case or provide grounds for a counterclaim. Improper service, incorrect creditor information, or an earlier settlement may also serve as valid defenses.
If Served With Papers by Messerli and Kramer, Contact an Attorney To Stop Debt Collection
We hope we have answered the question, “Messerli and Kramer served me papers, what now?” If a creditor is taking legal action against you, do not face the lawsuit alone. A Minneapolis debt collection lawyer at Walker & Walker Law Offices, PLLC can respond on your behalf, protect your rights, and stop aggressive collection tactics. We fight back against unfair claims, challenge missing documentation, and pursue solutions that match your financial situation. Contact us today for a free consultation, and get the legal support you need to stop debt collection when Messerli and Kramer serve you papers.
