Facing a debt collection lawsuit can be a stressful and intimidating experience. However, you likely have more legal options than you think to resolve and put it behind you. The best thing you can do to protect yourself is not to ignore it and take action instead. Below, our Texas debt defense lawyers discuss what to know and do if facing a debt collection lawsuit from Michael J Adams PC.
At Warren & Migliaccio, we represent and defend individuals all over Texas facing debt collection lawsuits. If you have been served with a lawsuit, then do not hesitate to schedule a free consultation with us to discuss your situation. We will review the claims against you, discuss your legal options for resolving the lawsuit, and next steps for protecting your legal rights.
Call (888) 584-9614 or click here to submit a consultation request form now.
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What Is Michael J Adams PC?
Michael J Adams PC is a debt collection law firm in San Antonio, TX. Its founding attorney is Michael J. Adams. According to its website, the firm is licensed to practice in Texas and Missouri. It represents creditors, debt buyers, and debt collectors in their efforts to collect delinquent debts. It will file lawsuits against consumers on behalf of its clients to pursue the debts.
Is Michael J Adams a Debt Collector?
Yes, Michael J Adams PC is a law firm that operates as a debt collector. It is bonded and registered as a debt collector in Texas with the Texas Secretary of State.
The law firm’s primary focus is collecting delinquent debts on behalf of its clients. For example, a credit card company may hire Michael J Adams PC to pursue unpaid debts from its cardholders rather than handle the task itself.
This infographic outlines crucial steps to follow if Michael J Adams PC sues you, including acting quickly to avoid default judgment, seeking legal advice, validating debt, and exploring resolution options to protect your rights.
Who Does Michael J Adams PC Represent?
Michael J Adams PC represents creditors, debt buyers, and debt collection agencies. In Texas debt collection lawsuits, our law firm often sees Michael J Adams PC bringing lawsuits on behalf of the following companies:
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- Duke Capital, LLC
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- Forsythe Finance, LLC
Why You Should Not Ignore a Debt Collection Lawsuit
After being served with a lawsuit, you must act quickly to protect yourself from a default judgment. A default judgment means an automatic win for Michael J Adams PC and its client, even if you do not recognize or believe you owe the money. A default judgment will likely happen if you fail to respond to the lawsuit or appear in court.
If Michael J Adams PC gets a default judgment against you, then your situation can get worse. For example, it can pursue bank garnishment, which involves freezing and seizing funds in your bank accounts, place liens against your property, or seize non-exempt property to collect from you. It may also pursue additional fees, like interest, court costs, and attorney’s fees.
How do you avoid a default judgment? Responding to the lawsuit is the only way to protect yourself from a default judgment. Generally, you have 14 to 20 days to respond to the lawsuit, which you must do formally by filing a response, called an Answer, with the appropriate court and sending a copy to the party suing you.
How We Help Texans Facing Debt Collection Lawsuits
At Warren & Migliaccio, we have extensive experience and success defending Texans against debt collection lawsuits. When you choose us to represent you, our first priority will be to protect you from a default judgment.
We will review the claims against you and determine the best way to respond to the lawsuit. Then, we will draft and file your Answer, avoiding a default judgment and placing the burden of proof on Michael J Adams PC and its client.
They must be able to prove that the debt is yours, the amount is correct, and they have the legal right to collect the debt. We will demand debt validation and assess any weaknesses we can use to challenge the lawsuit and get it dismissed.
Our Texas debt defense lawyers always aim for case dismissal. However, if that is not possible, we will pursue the best possible outcome for your unique situation. Other potential legal options for resolving the case may include the following:
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- Settlement. Negotiating a settlement may be in your best interest if you recognize the debt and the debt collector has a strong case against you. A settlement also avoids the time, resources, and uncertainty of going to trial. Often, we can negotiate with the debt collector to settle the debt for a lower amount and with a manageable payment plan.
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- Trial. You can expect a trial to take considerably more time than a settlement, and there is always a risk that you will not win the case. However, you may have a strong enough defense for the lawsuit that going to trial may be worth it. Having a trial date may also push the debt collector to offer a more favorable settlement to avoid trial.
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- Alternative debt relief. Are you dealing with overwhelming debt beyond the Michael J Adams lawsuit? If so, you may consider alternative debt relief options, such as debt consolidation or bankruptcy. We can discuss these options with you to determine the best course of action based on your financial situation.
Schedule a Free Consultation to Discuss Your Legal Options
Regardless of your situation, our law firm is committed to providing you with comprehensive legal support until your case is resolved. Our goal is to help you overcome this debt collection lawsuit and move forward with your life. You can trust us to help you navigate this stressful time and work towards the best possible outcome.
Contact our Texas debt defense attorneys today for a free consultation to discuss your situation and explore your legal options. We can review the claims against you, discuss your unique situation, and evaluate your options for moving forward. Call us at (888) 584-9614 or contact us online, and we will reach out to you soon.
