I’ve just been sued by a debt-collector! What do I do??!?

Attorney Nate Herdt offers completely free, no-obligation consultations to individuals that have been sued by debt-collectors.  Call (734) 961-4699 to schedule a meeting.

Being sued by a debt-collector for past-due bills is a very stressful experience. The worst thing that you can do is to do nothing. There are time-sensitive deadlines that must be satisfied in order to preserve your rights.

In Michigan, you only have 21 days from the day that you are served with the summons and complaint to file an answer with the Court (28 days if you are served by mail). If you do not respond to the complaint within that time period, the Court will assume that you do not contest the allegations and a judgment will be entered against you for the full amount claimed, plus interest and court costs.

Even if you acknowledge that you owe the money, filing an answer preserves your rights to negotiate payment terms and/or a settlement for less than the amount owed.  Further, many debt-collectors can not prove what the law requires – you may even be able to counter-sue them!  Read the Complaint very carefully and ask yourself these questions:

1. Is the amount they claim that you owe correct?

2. Did they attach copies of the original contract or other written evidence that you owe the money?

3. Was the “evidence” just an affidavit signed by someone not employed by the original creditor? Was the affidavit signed more than 10 days before the Complaint was filed?

Depending on the answers to these questions, you may actually have defenses to the Complaint – even if you really owe the money.  Further, you may actually have the ability to sue the debt-collector and/or their attorneys!

The laws are complicated and your time to exercise your rights is limited!  Call (734) 961-4699 to speak to Attorney Nate Herdt.





Ann Arbor Bankruptcy and Debt-Relief attorney Nate Herdt has helped thousands take control of their debts and financial futures.  Attorney Herdt helps people in Ann Arbor, Ypsilanti, Adrian, Novi, Jackson, Canton, Plymouth, Saline, Milan, Tecumseh, Taylor, Belleville, Wyandotte, Dearborn Heights, Lincoln Park, Hillsdale, Grass Lake, Chelsea, Milan, Blissfield, Albion, Monroe, Dundee, Detroit, Troy, West Bloomfield, Morenci, Southgate, Southfield, Dearborn, Brighton, Manchester, Howell, South Lyon, Temperance, Quincy, Lansing and all surrounding areas.

Ypsilanti Bankruptcy Lawyer.  Adrian Bankruptcy Lawyer. Ann Arbor Bankruptcy Lawyer. Jackson Michigan Bankruptcy Attorney.  Belleville Bankruptcy Attorney. Novi Bankruptcy Lawyer.


(734) 961-4699 – Ann Arbor Office

(517) 256-2222 – Adrian Office

(888) 395-9941 – Tollfree


Chapter 7

Chapter 7 is the type of bankruptcy that is designed for folks who legitimately cannot afford to pay their debts.

If you need every dollar that comes into your household to pay your household’s necessary living expenses then you are eligible to discharge most types of debt and get a fresh start.

While Chapter 7 is the type of bankruptcy that can, in theory, lead to you losing your assets, it is actually very rare.

One of the primary goals of Chapter 7 bankruptcy is to allow an honest person a second chance financially.  The law understands that that second chance requires that  a person have the ability to keep their home, vehicle and the other necessities of life.



herdtlaw logo