How to Defend a Debt Collection Lawsuit in 3 Powerful Steps

The Fullman Firm Playbook

At The Fullman Firm, we’ve spent nearly 20 years perfecting our approach to defending clients against debt collectors. Whether you’re looking for the lowest possible settlement—or aiming for a full dismissal—our proven three-step strategy puts you in control.

✅ Step 1: File a Responsive Pleading

Why It Matters
 Once you’re served with a Summons and Complaint, time is critical. You must file and serve a responsive pleading within your court’s deadline. This is your first and most important line of defense.

What This Step Does

  • Stops the creditor from automatically winning by default
  • Turns the case into a contested lawsuit
  • Forces the creditor to prove their claims with evidence

Key Tips

  • Include general denials and affirmative defenses
  • Filing procedures and fees vary by court—accuracy is crucial
  • Failing to file a responsive pleading can result in a default judgment, which opens the door to:
    • Wage garnishments
    • Bank levies
    • Liens on your property

⚖️ Step 2: Apply Pressure Through Discovery

What Happens in Discovery
 Now the real work begins. We use the legal discovery process to demand evidence from the other side—putting pressure back on the creditor.

Our Tools Include

  • Interrogatories
  • Requests for Production of Documents
  • Requests for Admission

Why This Works

  • Many debt collectors lack the documentation to prove their case
  • We can file motions for sanctions or even dismissal if they fail to respond properly
  • The Discovery process is governed by strict procedural rules—and this is where many people representing themselves get trapped

🧠 Step 3: Prepare for Trial (Even If It Never Happens)

Our Strategy
 Most cases don’t go to trial—but we prepare every case as if it will. This preparation gives us leverage and keeps the pressure on the creditor.

Why This Step Matters

  • As trial approaches, the creditor must meet strict procedural deadlines
  • We use their mistakes to negotiate better settlements
  • In some cases, we can even get the lawsuit dismissed entirely

🎯 Bottom Line: Don’t Go At It Alone

Debt defense is complex. As a defendant, your moves are often reactions to what the creditor does—or fails to do. Knowing how to respond at each stage takes strategy and experience.

Our fee structure is success-based: we earn a percentage of what we save you. That means we’re just as motivated as you are to get the best possible outcome.

💬 Ready to fight back and start saving?

Contact The Fullman Firm today and let us put our proven playbook to work for you.