Consumers may also employ other strategies such as negotiating with the original creditor or collector for a discounted payoff. It is helpful to offer a lump sum payment. Whatever strategy is employed to reduce the amount or severity of the debt, if the collector files a lawsuit, it is important for the consumer to respond and file any necessary paperwork by the deadline and appear in court on the appropriate day to avoid a default judgment. Legal assistance is important for helping older and disabled adults navigate the judicial process.
Go to https://ncler.acl.gov/ for additional resources.