Civil Suits

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Many individuals first encounter the court system because they have been served with a lawsuit, not because they chose to file one. Credit card companies, lenders, collection agencies, and debt buyers routinely file civil actions seeking repayment of alleged debts. These cases can move quickly, and failing to respond properly can lead to serious financial consequences.

At The Tancredo Law Firm, P.A., our civil practice is focused primarily on defending individuals who are being sued in consumer and debt-related matters. We do not primarily represent plaintiffs. Our role is to help clients understand what the lawsuit means, protect their legal rights, and limit financial harm while working toward the most practical resolution.

We regularly represent individuals in civil actions involving:

• Credit card and unsecured debt lawsuits
• Personal loan and installment loan collection cases
• Vehicle repossession and deficiency claims
• Lawsuits filed by collection agencies or debt buyers
• Related consumer debt matters

Each case is different. Early review allows for a clearer understanding of what the creditor must prove and what defenses or options may be available.

Being served with legal papers does not mean a judgment has already been entered, but it does mean that immediate action is required. Florida law imposes strict deadlines, and those deadlines depend on the type of case filed.

Small Claims Cases
In Florida small claims actions, the court typically sets a pre-trial conference automatically. This is a required court appearance, and the date is usually included in the paperwork served. Failing to appear can result in a default or other adverse rulings.

Other Civil Lawsuits
In most other civil actions, including many credit card and loan collection cases, the defendant generally has 20 days from the date of service to file a written response with the court. Missing this deadline can allow the plaintiff to seek a default judgment.

Ignoring the paperwork or waiting too long to act can severely limit your options. Early review of the lawsuit allows time to evaluate defenses, challenge improper claims, and determine whether dismissal, negotiation, or another strategy is appropriate.

Not every lawsuit proceeds to trial. Many consumer cases are resolved through dismissal, negotiated settlement, or other court-approved outcomes. Strategic decisions made early in the process often affect the cost, outcome, and long-term financial impact of the case.

Our approach is practical and measured. We evaluate whether defending the case, negotiating a resolution, or coordinating the matter with a broader financial plan, including bankruptcy when appropriate, best serves the client’s interests.

Some individuals seek legal help after a judgment has already been entered. A judgment allows creditors to pursue collection tools such as wage garnishment, bank account levies, and judgment liens. These actions can interfere with employment, drain accounts, and create ongoing financial pressure.

Even after judgment, options may still exist. Florida law provides certain exemptions and protections, and improper collection activity can sometimes be challenged. In some situations, bankruptcy may be used to stop collection efforts and address outstanding judgments.

Civil lawsuits involving consumer debt are not about escalating conflict. They are about protecting income, assets, and stability while minimizing long-term damage. Each case requires a careful assessment of risk, cost, and the client’s broader financial circumstances.

If you have been served with a lawsuit, are facing garnishment, or are dealing with post-judgment collection efforts, we invite you to contact The Tancredo Law Firm, P.A. to discuss your situation and determine a clear and informed path forward.