top of page
  • Writer's pictureSubhan Tariq, Esq

A Step By Step Guide On How to Deal With A Debt Collection Lawsuit in New York



Dealing with a debt collection lawsuit can be overwhelming and stressful, but it's important to take action and follow the necessary steps to protect your rights and financial interests. Here is a step-by-step guide on how to deal with a debt collection lawsuit in New York State:

Step 1: Review the Lawsuit Papers

The first thing you need to do is review the lawsuit papers that you received. The papers will include a summons and a complaint. The summons will tell you when and where the lawsuit will be heard, and the complaint will outline the debt and the amount that the creditor is seeking.

Step 2: Respond to the Lawsuit

It's important to respond to the lawsuit by the deadline stated in the summons. In New York, you typically have 20 or 30 days to respond. You can respond by filing an answer with the court, which is a written statement that responds to the allegations in the complaint.

Step 3: Consider Hiring an Attorney

If you're not comfortable handling the lawsuit on your own, you may want to consider hiring an attorney. An attorney can help you understand your legal rights and options and can represent you in court.

Step 4: Attend the Court Hearing

If you decide not to hire an attorney, you will need to attend the court hearing. The hearing will be held in the court that is listed on the summons. At the hearing, you will have the opportunity to present your case and defend yourself against the creditor's claims.

Step 5: Negotiate a Settlement

Before the court hearing, you may want to try to negotiate a settlement with the creditor. A settlement can help you avoid going to court and can potentially reduce the amount of money you owe. Be sure to get any settlement agreement in writing.

Step 6: Prepare for the Court Hearing

If you decide to go to court, it's important to prepare for the hearing. Make sure you have all the necessary documents and evidence to support your case. You may also want to prepare a statement outlining your defense.

Step 7: Attend the Court Hearing

At the court hearing, the judge will hear both sides of the case and make a decision. Be sure to present your case clearly and honestly, and be prepared to answer any questions the judge may have.

Step 8: Follow the Court's Decision

Once the court has made a decision, you will need to follow the court's ruling. If the court rules in favor of the creditor, you may need to pay the debt. If the court rules in your favor, the case will be dismissed.

In summary, dealing with a debt collection lawsuit in New York State requires you to review the lawsuit papers, respond to the lawsuit, consider hiring an attorney, attend the court hearing, negotiate a settlement, prepare for the court hearing, attend the court hearing, and follow the court's decision. It's important to take the necessary steps to protect your rights and financial interests.

Please reach out to us at with any questions you may have, or submit a free case review request.



LOGO orange.png
Call to Schedule a Consultation
PHONE: (212) 804-9095 or CLICK HERE to email the Firm 
shoot us an Email

Your Message has been sent!

bottom of page