Sued for Credit Card Debt in Florida? Here’s What to Do Next

Getting served with a debt collection lawsuit is stressful—especially when you’re already trying to keep up with bills. But being sued doesn’t mean you automatically lose. You have rights, and you may have defenses.

At De Armas & Arriete, PLLC, we help clients fight back against aggressive creditors and collection agencies—protecting assets, credit, and peace of mind.

Step 1: Don’t ignore the lawsuit

If you do nothing, the creditor may seek a default judgment, which can lead to aggressive collection efforts.

Step 2: Understand what the creditor must prove

In many cases, creditors or collectors must show:

1. They have the legal right to collect the debt

2. The amount claimed is accurate

3. Proper documentation supports the claim

Common debt defense matters we handle

1. Credit card debt lawsuits

2. Personal loan and payday loan lawsuits

3. Foreclosure defense

4. Auto loan and repossession actions

5. Medical debt

6. Collection agency lawsuits

7. Judgments and wage garnishments

Step 3: Explore your best outcome

Depending on your situation, the right strategy may include:

1. Challenging the claim

2. Negotiating a settlement or payment plan

3. Seeking dismissal where appropriate

Start with a free consultation. Call (786) 454-9838. Hablamos español.