How to Beat a Debt Collector in Court

Well… If your debt collection lawsuit made it all the way until your court date then you better have the proper evidence to back you up. Most debt lawsuits are settled way before the actually court date. Junk debt collectors in particular will probably give up after you submit your Debt Answer. If they don’t give up they will probably send you a Request for Admissions, and give you 30 days to respond. If you respond to that with a Request for Admissions Response and if they still keep sending you documents to respond to then it might make it all the way to your court date.

At this point, we know it is probably not a 3rd party suing you, it is probably the party you borrowed from directly and they have all the documents they need to put up a good fight. If you find yourself in this scenario then you need to start collecting evidence to discount their claim, You need to start sending discovery requests of your own and finding out what information they have against you. After you build your case against them you will take all of evidence with you to court and present it to the judge and the judge will decide who had the best case.