Fast orientation
Start by identifying whether you have a collection letter, a lawsuit summons, a judgment notice, a garnishment notice, or a bank levy. Each document creates a different next step.
What matters most
- The date you were served.
- The court and case number.
- The plaintiff and original creditor.
- Whether a judgment already exists.
- The income or account affected by collection.
Common Questions
What should I do first if I was sued for debt?
Read the summons, identify the answer deadline, save the envelope, and ask a licensed attorney or court clerk how the deadline is counted.
Can a debt collector call me at work?
Federal and state rules may limit workplace contact. Document the calls and check CFPB or FTC resources before deciding what to send.
Can old debt still lead to a lawsuit?
Sometimes. Limitation periods are state- and fact-specific. Do not assume old debt is impossible to sue on without verification.
Can wages or bank accounts be protected?
Some income and funds may be exempt, but claiming exemptions usually requires following state or court procedures.
Official Sources To Check
Debt collection and court rules change. Use these sources as starting points, then verify anything deadline-related with your court, the papers served on you, or a licensed attorney in your state.