How to Resolve a Debt with Nathan and Nathan PC
Nathan and Nathan PC can sue you for unpaid debt, but you have strong options to fight back. Responding to the lawsuit within 20 to 30 days prevents automatic default judgment and protects your wages and bank account. You can negotiate a settlement for 30-50% of the debt, contest the amount, or challenge the lawsuit if the debt is time-barred or not yours.
Answer Your LawsuitIf Nathan and Nathan PC is suing you for debt, you likely feel stressed and uncertain. You might have received a Complaint and Summons in the mail. Your next steps matter more than ever.
Debt lawsuits happen for many reasons. Medical debt, credit card debt, and other consumer debts often end up in court. Your original creditor probably sold your debt to Nathan and Nathan PC.
Respond to Nathan and Nathan PC Before Time Runs Out
You have only 20-30 days to respond to the lawsuit from Nathan and Nathan PC. Don't risk wage garnishment or bank account freezes with a default judgment.
File Your Answer NowIgnoring the lawsuit will make things worse. You must respond within the allotted time or attend the court hearing. Failing to do so can result in a default judgment against you.
What Is Nathan and Nathan PC?
Nathan and Nathan PC is a legitimate debt collection firm operating since 1991. The company provides debt collection and legal services across Alabama, Tennessee, Mississippi, and Georgia. Previously known as Nathan & Associates, P.C., they represent various companies in these states.
Nathan & Nathan PC Reviews: What Borrowers Say
Online reviews for Nathan & Nathan PC show mixed experiences. You can find reviews on Google Reviews and the Better Business Bureau.
Some borrowers report positive experiences when they proactively engage with the firm. One borrower named Amanda shared her experience:
“They were great to work with. Always answered when I called. They were reasonable in working out payment arrangements and great with communication.”
Amanda’s review highlights an important truth. Proactive communication can lead to a reasonable resolution. The firm proved willing to work out payment arrangements when she reached out.
If calling a debt collector feels overwhelming, you have other options. Our partner Solo helps you negotiate and settle debt online through a digital platform.
How to Negotiate and Settle Your Debt with Nathan and Nathan PC
Most debt collectors prefer negotiation over lengthy litigation. Settling saves time and money for both parties. If they agree to negotiate, get everything in writing and honor your commitments.
Follow these three steps to settle your debt:
Step 1: Calculate What You Can Afford to Pay
Before negotiating, determine your realistic payment capacity. Consider all your living expenses and financial obligations. If a lump sum isn’t possible, calculate what you could pay in installments.
Step 2: Start Settlement Negotiations with Nathan and Nathan
Begin by offering 30% to 50% of the original debt amount. Prepare to negotiate upward from your initial offer. Creditors typically prefer lump sum payments and may accept less for immediate payment.
Step 3: Get Your Settlement Agreement in Writing
Never make a payment without a written agreement. The document should clearly state the payment settles the debt completely. Confirm they will pursue no further legal action or collections.
Our partner Solo can handle the settlement negotiation process for you. The platform sends and receives offers until you reach an agreement with the collector.
What Happens After You’re Sued for Debt?
Debt lawsuits are common collection tools. Your summons tells you when to appear in court and how to file a response. You typically have 20 to 30 days to respond from the service date.
Debt collectors hope you won’t respond or attend the hearing. Ignoring a lawsuit results in an automatic default judgment. After obtaining a default judgment, Nathan and Nathan PC can:
- Garnish your wages directly from your paycheck
- Place a lien on your property
- Freeze the money in your bank account
Responding protects your income and assets from these collection actions.
How to Defend Yourself Against Nathan and Nathan PC in Court
Gather All Relevant Information
Nathan and Nathan PC isn’t your original creditor. Your credit card company or lender sold your debt to them. Debt accounts often get sold multiple times, bringing old debts back to life.
After receiving the summons, collect as much information as possible. Check if your debt is past the statute of limitations. The statute of limitations sets the legal time frame for suing you. After this period, the debt becomes “time-barred.”
Collectors can’t legally sue you for time-barred debt. However, they might still try. Old debt can continue affecting your credit score even when time-barred.
File Your Response to the Lawsuit
You must respond after receiving notice from Nathan and Nathan. Not responding puts your bank account, wages, and property at risk. You also lose your ability to contest the debt.
When responding, never admit guilt. You’re legally entitled to request:
- The creditor’s identity
- Proof showing the debt amount is accurate
- Documentation proving you owe the debt
- Evidence of their right to collect
Filing fees typically apply when submitting your response. Request a fee waiver from the court clerk if you can’t afford the filing fee.
Prepare for Your Court Hearing
Attending your hearing is critical to your case. The judge will decide if you must pay the lawsuit amount. You can present your defense or negotiate a settlement with the creditor.
If You Owe the Debt
Contact the creditor before your hearing date. You have two main options:
- Arrange a payment plan you can afford over time
- Settle the debt for less than the original amount
If you reach a settlement deal, get written confirmation. The agreement should state what Nathan and Nathan PC considers full settlement. They should report the debt as paid to credit bureaus.
Follow these recommended steps to settle:
- File an Answer to avoid a default judgment
- Calculate your available funds: (monthly income – monthly costs) + savings
- Make a reasonable offer below your maximum payment capacity
- Prepare for multiple negotiation rounds
- Get final settlement terms in writing before paying
If You Owe the Debt But Shouldn’t Pay
Valid reasons exist for refusing to pay certain debts. You can use affirmative defenses such as:
- The product was defective or never delivered
- The debt contract was illegal or signed under coercion
- You canceled the contract within the lawful time frame
Affirmative defenses can result in debt forgiveness.
If You Don’t Owe the Debt
Being sued for debt you don’t owe is frustrating. Challenge the burden of proof by demanding documentation. Creditors must produce the original debt contract and prove the amount owed. Without proper proof, the court will dismiss the case.
Your Options When Dealing with Nathan and Nathan PC
Facing Nathan and Nathan PC isn’t impossible to manage. You can defend yourself without hiring a lawyer. Your defense might involve filing a countersuit, citing the statute of limitations, or contesting the debt entirely.
Before anything else, respond to the lawsuit. You have options and rights. Taking action protects your financial future and prevents automatic judgments against you.