Lawsuit & COJ Defense

Been served with court papers? Time is critical. Our experienced legal team provides aggressive defense strategies for business lawsuits, confession of judgment actions, and debt collection cases.

URGENT:

If you've been served with lawsuit papers, you typically have only 20-30 days to respond. Missing this deadline can result in a default judgment against you.

What to Do If You've Been Served

Step One

Read all documents carefully

Immediately

Step Two

Note the response deadline

Critical

Step Three

Contact our office

Same day

Step Four

Gather relevant documents

Within 24 hours

Apply Now

Common Legal Defenses

Strategic defense options we evaluate in every case

Procedural Defenses

Improper service, venue, or jurisdiction challenges

Usury & Rate Challenges

Interest rate violations and unconscionable terms

Substantive Defenses

Lack of standing, statute of limitations, payment disputes

Documentation Issues

Missing signatures, incomplete contracts, chain of title

Urgent Legal Defense FAQs

Critical information for when you're facing legal action.

I just got served with a lawsuit. What is the absolute first thing I should do?

Do not ignore it. The clock is ticking. You typically have 20-30 days to file a formal response with the court. Contact a law firm like ours immediately. Gather the lawsuit papers, your original MCA or loan agreement, and your recent bank statements.

What is a Confession of Judgment (COJ) and can I fight it?

A COJ is a document you may have signed that allows the creditor to obtain a court judgment against you without a trial. While they are very powerful, we can sometimes fight them by challenging their validity, the location of the filing (jurisdiction), or arguing they are unconscionable. Action must be taken quickly.

My bank account was frozen with no warning. How is that legal?

This is typically the result of a creditor obtaining a judgment (often via a COJ) and then serving a levy or restraining notice on your bank. We can fight this by filing an Order to Show Cause to vacate the judgment, which may unfreeze your accounts while the case is reviewed.

Will filing for bankruptcy help?

It can, but it should be a last resort. Business bankruptcy (Chapter 11 or 7) has significant long-term consequences for your credit and business operations. Often, we can negotiate a settlement or fight the lawsuit for a fraction of the cost and damage of a bankruptcy.

Important: These are historical ranges from past cases. Every situation is unique, and past results do not guarantee future outcomes. Results depend on specific circumstances, creditor cooperation, and available defenses.

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Lawsuit & COJ Defense