Many Massachusetts residents are living with a great deal of debt. Some can get by making their minimum payments, while others lack the funds to pay their creditors anything. After a number of unsuccessful attempts to collect, creditors typically take one to court to seek reimbursement. A bankruptcy law attorney may be able to help those who end up being sued over their debts — or even before things get that bad.

Those who think creditors won’t go as far as taking them to court for the repayment of debt might be shocked to learn that it is a relatively common practice. Creditors want to get paid, plain and simple, and filing a lawsuit against a debtor is one way for them to get at least a portion, if not all, of what they are owed. If one’s case does go this far, one might have to pay the debt, interest and legal fees if the creditor secures a judgment.

If one receives a court summons concerning a debt collection lawsuit, it is best not to ignore it. Failing to show up to a hearing will allow a judge to grant a default judgment. This means creditors will have the right to garnish wages, freeze bank accounts and/or place liens on a judgment debtor’s property.

Know that responding to this type of lawsuit is not something one has to do alone. Legal counsel can assist one in organizing a defense and presenting the case in court. A Massachusetts-based bankruptcy law attorney may even be able to settle the issue before the case makes it that far.