Estate Law Questions? Ask an Estate Lawyer.
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(1) Contact the creditor and propose a settlement of 10 cents on the dollar. Sometimes creditors take low amounts to avoid pursuing judgments against debtors.
(2) File an Answer and require the creditor to provide with admissible evidence that you owe the judgment being sought against you. There are evidentiary standards that the creditor must meet in order to procure the judgment.
(3) Do nothing. This will create a risk that a judgment will be entered against you and wages garnished or liens laced against assets.
Options 1 and 2 may be best. File an Answer to the Complaint to preserve your defenses and then negotiate with the creditor for 10 cents on the dollar to avoid any further litigation may be best.
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