What happens if I am sued for a debt?

If you are being sued for a debt in Ohio, you have certain rights under the Consumer Debt Defense Law. This law provides protection for people who are facing collection lawsuits. When you are sued for a debt, you are known as the defendant. In a collection lawsuit, the plaintiff is the creditor who is suing you for the debt. The creditor must prove that the debt is valid and that you owe the amount claimed. When you get served with a summons, you have a certain amount of time to respond. Most often, the time limit is 20 days. If you do not respond, the court may enter a default judgment against you. Once the court enters a judgment, the creditor may be able to garnish your wages, freeze your bank accounts, or put a lien on your property. Under the Consumer Debt Defense Law, you have the right to challenge the creditor’s case and defend yourself in court. When defending yourself, it’s important to present evidence that you do not owe the debt or that the amount claimed is incorrect. You can also ask the court to reduce the amount you owe if you can prove that you cannot pay the full amount. The Consumer Debt Defense Law gives you the opportunity to protect yourself and your rights when being sued for a debt. It is important to take advantage of the legal protections available and understand your rights.

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What happens if I am sued for a debt?

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