What to Do If You’re Sued for a Debt in Florida

Being served with a lawsuit over unpaid debt can be stressful — but it’s not the end of the road. In fact, many debt lawsuits can be challenged, reduced, or dismissed entirely if handled correctly. The key is acting fast, knowing your rights, and avoiding common mistakes that can cost you more than just money.

At Atilus & Associates, we help individuals just like you fight back with smart, strategic legal defense. Here’s what to do if you’ve been sued for a debt in Florida:

1. Don’t Ignore the Lawsuit

Once you’re served, the clock starts ticking. In Florida, you only have 20 calendar days to file a written response (called an “Answer”) with the court. If you ignore the lawsuit, the creditor can get a default judgment, allowing them to garnish your wages, freeze your bank account, or place a lien on your property.

2. Know Who’s Suing You

Is it the original creditor or a debt buyer? Many lawsuits are filed by third-party debt collectors who can’t prove they even own the debt. They often lack proper documentation or violate collection laws. Identifying who’s suing you is the first step to challenging the case.

3. Review the Complaint Carefully

The lawsuit should include basic information: who you owe, the amount, and how the debt was incurred. Look for:

• Incorrect balances

  
  

• Wrong account numbers

  
  

• Lack of documentation

  
  

• Signs the debt is past Florida’s statute of limitations (usually 4–5 years)

  
  

• Even one error could be grounds for dismissal or negotiation.

  
  

• 4. Consult a Debt Defense Attorney

This is where you take back control. An experienced attorney can:

• File your Answer properly

  
  

• Challenge the lawsuit with legal defenses

  
  

• Demand proof of the debt

  
  

• Protect your assets from garnishment or liens

  
  

• Negotiate a reduced settlement or full dismissal

At Atilus & Associates, we fight to expose weak claims and hold collectors accountable. In many cases, lawsuits are filed hoping you won’t fight back — we make sure you do.

5. Avoid Dealing Directly With the Collector (Until You’re Represented)

Collectors may try to pressure you into settling immediately — often for more than you legally owe. Don’t admit fault, don’t make promises, and don’t give personal financial info. Once you’re represented, all communication goes through your attorney.

6. Don’t Wait — Act Now

Time is your biggest asset in a debt lawsuit. The sooner you respond, the more legal options you have. Whether you're looking to fight, settle, or negotiate a payment plan, acting quickly can prevent long-term damage to your finances and credit.

Conclusion: You Have Rights — Use Them

Just because you’ve been sued doesn’t mean you’ve lost. With the right legal strategy, you may be able to reduce the amount you owe, stop aggressive collection tactics, or get the case thrown out altogether.

📞 Contact Atilus & Associates today for a confidential debt defense consultation.

We’ll review your case and help you take back control — one step at a time.