Debt Collection Lawsuit

    Struggling with debt can be extremely distressful, so the last thing you want is to be confronted with is a lawsuit. Just because a debt collector is claiming that you owe some money that does not necessarily mean it is true. If you are faced with a lawsuit from a debt collector, you have options.

    The attorneys at the Consumer Justice Law Center have a successful track record of defending consumers in debt collection lawsuits and getting a vast majority of them dismissed, where their clients paid nothing, or settled for a fraction of the amount. The key, among other things, is to respond to the lawsuit and force the creditor to carry its burden of proof to prove that you actually owe what the creditor is claiming you owe and/or that the creditor has the legal right to purse you.

    If you are sued for a debt in California

    If you are sued by a debt collector, we can defend you in the lawsuit and fight for an outcome that you can live with—typically having the case dismissed or reaching a settlement for an amount and payment plan you can afford—outcomes that won’t destroy your finances and future.

    Will your case go to trial?

    Trials are rare as most cases resolve informally. While that is the desired outcome and most of our cases do resolve without a trial, we recognize the need to prepare all of our cases as if it will need to be tried one day. We aggressively pursue discovery to acquire documentary evidence, if any, that the creditor has to prove its case against you. At trial, we stand ready, able, and willing to muster a vigorous defense on your behalf.

    • What makes us different: Not only will we prepare a spirited defense to your debt collection lawsuit, we also sue debt collectors. When we review your case, we will also check to see if the debt collector has violated any consumer protection laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
    • Contact us for a free strategy session today: If you have been sued by a debt collector, you have the right to sound legal advice and effective representation from a competent debt defense attorney. Find out more. Contact us to schedule a free strategy session.


    I was looking for advice about a credit card debt situation I got myself into. I was scared and had no idea how to respond to the forms I was given. It’s very intimidating to be told by a court document you must respond within 30 days. I found Matthew Loker thru an online search. I went into the office on my lunch break and just the 20 or so minutes I spent that first day made me feel at ease. He explained the process so clear and made me less nervous. At our first official meeting he explained the steps he would take with my specific case. With Matthew’s guidance and explanation I was able to notice that the particular debt collection company that had my case was doing things that were wrong. I let Matt know and he was all over it. He was able to turn me into a plaintiff instead of me being on the defense. Today, I’m settling this particular debt. It is being cleared from my credit report($6000) and I’m actually getting settlement money. $2500 to be exact. With all the fees covered as well. I couldn’t be happier with my experience and would recommend Matthew Loker to anyone facing overwhelming debt collection difficulties.

    Brandi M.

    Matt’s passion for this field of work shows with how involved he is with starting his own firm, teaching law, and being a parent. I was involved with a mismatch information that led to a wrongful garnishment and money was taken from my bank account by debt collectors. As I am a young person with little experience in how to handle these cases the best legal way, Matt reached out to me and guided me on every step. He is very approachable, knowledgeable, and you always feel that he is going to help you get through whatever your trouble you are in. Very professional and very prompt, he is fair, and I highly recommend reaching out to Matt.

    Kyle C.

    Phil defended a suit brought against me by an established collection company. He takes his caseload seriously and was prepared for trial. On the day of trial, the plaintiffs dismissed the suit. A total victory. I would confidently use Phil again, as well as refer him to friends and family. He is professional, courteous and respectful. More importantly, he is thoughtful and strategic in battle.


    In my time of need, Matt Loker helped me ease my anxiety and calm my nerves during my case. He approached the case calmly and confidently. He was very professional and helped you feel a sense of security and hope. He helped me get out of my situation with ease and it resulted in a win. I highly recommend!!!

    Bill B.

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      how can we help you?

      Contact us at the Consumer Justice Law Center office nearest to you or submit an inquiry online and a representative will reach out as soon as possible.

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