Any time you agree you owe a debt, you might want to consider resolving the case before a lawsuit is filed against you. You can reach out to the creditor at any time and explain your situation. Be honest with them about how much you can pay and see if you can come to an agreement. If you do owe money but disagree with the amount, make every effort to communicate with the creditor and settle the matter.
Below is information that may be helpful if a creditor files a lawsuit against you but it is not a substitute for legal advice. There are other rules and laws that may apply to your situation, but these are common rules and laws that apply in civil cases.
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