' What Happens When You Get a Court Summons for Debt? - Law Offices of Robert M. Geller, P.A.

What Happens When You Get a Court Summons for Debt?

what happens when you get a court summons for debtGetting a court summons for debt can be an overwhelming and frightening experience, but it doesn’t have to be. Despite what you may think, it doesn’t automatically mean you will face dire consequences. However, it is a serious matter that should not be ignored.

What should you do when you get a court summons for a debt and what steps should you take in response to legal action by a creditor?

What is a Court Summons?

A court summons is a legal document that is sent to you by a creditor or debt collector. It informs you that you are being sued for an outstanding debt and requires you to answer the allegations made against you in court.

The summons specifies when and where you need to appear in court, as well as the deadline for your response. It is essential that you respond to the summons within the given time frame, even if you believe the debt is not yours or you dispute the amount owed.

What to Do If You’re Served

Once you receive the summons, you should carefully review it. It’s also a good idea to consult with a qualified attorney, especially if you are unsure of what to do next. An attorney can help you understand your legal rights and obligations. They’ll also provide guidance on the best course of action in your particular case.

Before the court hearing, you may also be given the opportunity to engage in settlement negotiations with the creditor. This means you and the creditor may agree to settle the debt for a lesser amount or work out a payment plan that is more manageable for you.

If you can come to an agreement, you should put it in writing and file it with the court. An attorney may be able to assist you with this too.

Trials Related to Debt

If you don’t settle and the case goes to trial, one of two things can happen.

The court could rule in your favor and determine you don’t owe the debt. This is usually only the case when there’s a mistake or you were the victim of fraud.

Chances are, if the debt is legitimate, and the court rules in favor of the creditor, they may be granted a judgment against you. A judgment allows the creditor to legally collect the debt in a variety of ways, including:

  • Wage garnishment
  • Bank account seizure
  • Property liens

The creditor may also have the ability to charge interest on the debt or add attorney fees to the total.

Receiving a court summons for debt is not an easy situation to deal with, but’s important to remember that it’s not the end of the world either. The key is to act promptly and seek professional help if needed. In some cases, debt settlement will be your best option. For other people, bankruptcy can put an end to collection efforts and offer a fresh financial start.

To learn more about what you can do if you’ve received a court summons related to debt, contact the Law Offices of Robert M. Geller at 813-254-5696 to schedule a free consultation with an experienced attorney.


Video Testimonials

Tampa Bankruptcy Law Blog

How Long Should I Keep My Bankruptcy Discharge Papers?

If you've successfully navigated the bankruptcy process and received your discharge papers, congratulations are in order. It's a significant milestone...
Read More

Can I Lose My House If I File for Bankruptcy

The potential loss of your house when filing for bankruptcy depends on various factors. These include the type of bankruptcy...
Read More

What Can You Write Off in Bankruptcy?

Many people filing for bankruptcy aren’t sure what debts can be discharged, or "written off," through bankruptcy. It’s important to...
Read More

How Often are Bankruptcies Denied?

Bankruptcy offers a lifeline for people drowning in debt. It provides a chance to start anew and regain financial stability....
Read More

How Much Debt Should I Have Before Considering Bankruptcy?

Dealing with overwhelming debt and financial hardship is difficult. The prospect of bankruptcy may offer a path toward relief, as...
Read More

How Long Does Chapter 7 Bankruptcy Take to Discharge?

Chapter 7 bankruptcy offers a fresh start and a path toward financial stability for people struggling with debt. But when...
Read More

Does Business Bankruptcy Affect Personal Credit?

Does Business Bankruptcy Affect Personal Credit? For entrepreneurs and business owners facing financial challenges, the prospect of business bankruptcy can...
Read More

Can I Get an Apartment After Filing for Bankruptcy?

Filing for bankruptcy often feels challenging and overwhelming. It also raises a variety of concerns. One of the most common...
Read More

Are SBA Loans Dischargeable in Bankruptcy?

Navigating the complexities of Small Business Administration (SBA) loans and bankruptcy can be a daunting task for many business owners....
Read More

How to Get Bankruptcy Off of Your Credit Report

Rebuilding financial health after bankruptcy is challenging, but that doesn’t mean filing is worth the effort. One common concern for...
Read More


For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More


We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

Call For A Free Initial Consultation


Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

Map And Directions

St. Petersburg Office

Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

Map And Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

Map And Directions