How to Resolve Debt With Lincoln and Morgan Kabbage

Lincoln and Morgan has been calling about your Kabbage loan. You might be facing a debt collection lawsuit.

Kabbage offers easy loans with fast application decisions. The company gives immediate access to funds with lines of credit up to $250,000. These loans can cover working capital needs like inventory, renovations, and payroll.

Stop Kabbage's Lawsuit Before Your Deadline Expires

You have only 14-30 days to respond to Lincoln and Morgan's lawsuit. Our partner Solo helps you file a strong Answer and negotiate settlements with debt collectors.

Respond to Kabbage Now

But falling behind on Kabbage loan payments is just as easy. When that happens, Kabbage hires Lincoln and Morgan to file lawsuits. Here’s everything you need to know about responding to a lawsuit and settling your debt.

What Is Kabbage?

American Express purchased Kabbage in 2020. The company offers business funding to small businesses struggling with cash flow.

Kabbage offers loans up to $200,000, but payment periods are short. Short repayment periods make these loans difficult to pay back.

Kabbage structures loans as lines of credit. You can choose 6, 12, or 18-month installment loans. You can withdraw multiple loans from one line of credit.

Each loan has its own agreement and terms. You pay fees on the loan amount as equal monthly payments. Some borrowers must sign a confession of judgment if they default. These loan structures often lead to default.

Who Is Lincoln and Morgan?

Lincoln and Morgan calls itself a “mediation firm.” The company provides lawyers for hire. Their network of attorneys spans the US.

Lincoln and Morgan specializes in representing creditors. They help collect defaulted debts. The firm also handles commercial mediation and UCC lien enforcement.

If Kabbage sues you, Lincoln and Morgan represents Kabbage in court.

Who Does Lincoln and Morgan Collect For?

Lincoln and Morgan collects for creditors, banks, and financial institutions. These companies hire the firm for legal representation. They step in when debts become delinquent enough to require legal action.

Why Kabbage Loans Often Lead to Default

Kabbage designs loans for quick cash access. These loans often create business debt struggles and defaults.

Kabbage markets itself as an alternative to merchant cash advances. But these loans can drain your business of needed cash. Short-term loans or small business lines of credit offer better options. They cost less and carry less risk.

Many debt relief strategies can help your business escape debt. You can avoid default with the right approach. Always respond to inquiries about your loan. If Kabbage sues you, here’s how to respond and win.

How to Negotiate a Debt Settlement With Lincoln and Morgan

You should try negotiating a debt settlement if you acknowledge the debt. Our partner Solo can help you through this process.

Debt collectors like Lincoln and Morgan often accept settlements. They’ll take less than the full amount, especially for reasonable lump sum offers.

Follow these three steps to negotiate a debt settlement.

Step 1: Calculate What You Can Reasonably Pay

Determine your affordable lump sum payment before starting negotiations. Consider all your other living expenses in your calculation.

Calculate installment payment options if you lack funds for a lump sum.

Step 2: Make an Offer and Negotiate

Start by offering 30% to 50% of the original debt amount. Prepare to negotiate upward from your initial offer.

Offer a lump sum payment if possible. Creditors accept lower amounts for immediate payments.

Step 3: Get Written Confirmation

Receive a written agreement before making any payment. You need a debt settlement agreement outlining all terms.

The agreement must state the payment settles the debt in full. Confirm they won’t pursue further legal action or collections.

Lincoln and Morgan Online Reviews

Check online reviews to see how others experienced Lincoln and Morgan. These sources provide helpful insights:

Lincoln and Morgan reviews on Google Reviews
Lincoln and Morgan reviews on Better Business Bureau

Lincoln and Morgan’s online reviews show mixed results. Some reviews are positive, others negative.

Some reviews show pleasant and productive experiences. People have resolved their debt issues through communication. Kevin, a real borrower, posted this review:

“Lincoln and Morgan have been easy to work with. My health issues caused me to get behind on a few things but through this company I have been able to make positive strides in correcting those issues. They have a job to do but have not been unpleasant at anytime during my history and involvement with them.”

Kevin’s review shows Lincoln and Morgan collectors work with borrowers. You can resolve your debt collection matter through negotiation.

Contact with debt collectors can feel terrifying. Our partner Solo helps you negotiate and settle debt through a digital platform.

How to Beat Kabbage in Court

You can represent yourself in court if Kabbage sues you. Hope is not lost. Follow these three simple steps:

Respond to the lawsuit
Challenge Kabbage’s legal right to sue
File your Answer in court and send a copy to Lincoln and Morgan

Each step increases your chances of winning your case.

Step 1: Respond to the Lawsuit

File a written Answer with the court to beat Lincoln and Morgan and Kabbage. Failing to respond is a major mistake debtors make.

Almost 90% of people sued for debt lose automatically. They simply don’t respond. Don’t join their ranks.

Kabbage will file a motion for default judgment if you don’t respond. Default judgment gives Kabbage legal rights to your money. They can take money from your bank account, garnish wages, and seize property.

Default judgments often include attorney’s fees, court costs, and interest. You’ll pay way more than you originally owed.

Never admit liability in your Answer. Force the creditor to prove the debt and your legal responsibility.

Respond within the time period set by your court Summons. The deadline ranges from 14 to 30 days depending on your state. Missing this deadline likely results in default judgment.

Step 2: Challenge Kabbage’s Legal Right to Sue

The “burden of proof” rests on Kabbage when you’re sued. They must prove you’re responsible for the debt. They must prove they can legally sue you. They must prove you owe a specific amount.

Challenge Kabbage’s right to file a lawsuit. They must then prove the debt belongs to you.

Include affirmative defenses in your Answer. These are reasons Kabbage lacks a case against you. Common affirmative defenses include:

The debt passed the statute of limitations. The time period for legal action varies by state.
You didn’t incur the debt. Identity theft victims can use this defense. File a police report when you learn about identity theft. Bring this report to court.
You paid the debt already. Find proof if you already paid. Debt collectors buy debt from other collectors. Their record-keeping is often poor. They must prove you still owe the debt.
You’re being sued for the wrong amount. The creditor must prove exactly what you owe in court.

Step 3: File Your Answer and Serve Lincoln and Morgan

File your drafted Answer in court within the deadline. Print a copy and serve it to Kabbage’s attorneys at Lincoln and Morgan.

Serving the opposing party is critical. Courts might reject your Answer’s validity if you don’t serve them.

Our partner Solo helps you file an Answer in all 50 states.

Frequently Asked Questions

What is Lincoln and Morgan's role in Kabbage lawsuits?

Lincoln and Morgan is a mediation firm that represents creditors like Kabbage in debt collection lawsuits. They specialize in collecting defaulted debts through legal action on behalf of banks and financial institutions.

How do I respond to a lawsuit from Lincoln and Morgan?

File a written Answer with the court within 14-30 days of receiving the Summons. Include affirmative defenses that challenge their right to sue. Send a copy to Lincoln and Morgan to avoid default judgment.

Can I negotiate a settlement with Lincoln and Morgan?

Yes, you can negotiate a settlement for less than the full amount owed. Start by offering 30% to 50% of the original debt. Get any settlement agreement in writing before making payment.

What happens if I don't respond to a Kabbage lawsuit?

Failing to respond results in default judgment against you. Kabbage gains legal rights to garnish your wages, seize your bank account, and take your property. Default judgments also add attorney fees, court costs, and interest to your debt.

What are valid defenses against a Kabbage debt lawsuit?

Common defenses include statute of limitations expiration, identity theft, proof of payment, and incorrect debt amounts. These affirmative defenses force Kabbage to prove their case in court.