How to Resolve a Credence Resource Management Lawsuit

A summons from Credence Resource Management landed in your mailbox. You might feel tempted to ignore it. That would be a mistake.

Ignoring a debt collection lawsuit leads to serious consequences. You face wage garnishment, bank account levies, and mounting legal fees. Responding to the lawsuit protects your rights and your paycheck.

You can beat this lawsuit or settle for less than you owe. You just need to take action before the deadline.

Why You Must Respond to Credence Resource Management

Throwing away the summons won’t make the lawsuit disappear. Credence Resource Management will obtain a default judgment against you if you ignore the case.

A default judgment gives the debt collector powerful tools:

• Wage garnishment that takes money from every paycheck
• Bank account levies that freeze your funds
• Interest charges that keep growing
• Court costs and attorney fees added to your balance

You can avoid all of this by filing a response. The court gives you a specific deadline to answer the complaint. Mark that date on your calendar and treat it as unmovable.

How to Beat Credence Resource Management in Court

You have multiple defense strategies available. Each one can reduce what you owe or get the case dismissed entirely.

Respond to the Lawsuit Properly

Your written response is your first line of defense. File it with the court before the deadline expires.

Never admit you owe the debt in your response. Make Credence Resource Management prove every element of their case.

Follow these steps when filing your Answer:

• File the Answer with the Clerk of Court before the deadline
• Deny allegations or state you lack sufficient information to respond
• Request proof of the debt and legal standing
• Get a stamped copy from the court clerk
• Send the stamped copy to the plaintiff’s attorney via certified mail

Our partner Solo helps you create a legally compliant Answer in minutes. The service walks you through each required section and generates court-ready documents.

Challenge Their Legal Right to Sue

Debt collectors often lack the documentation to prove they own your debt. The debt may have changed hands multiple times before reaching Credence Resource Management.

Demand proof in your Answer. Force them to produce:

• The original credit agreement with your signature
• Complete chain of custody documentation
• Proof that Credence Resource Management owns the debt
• Assignment agreements from previous owners

Many debt collectors cannot produce these documents. Without proof of ownership, the court must dismiss the case.

Make Them Prove Every Element

Credence Resource Management bears the burden of proof. They must prove three critical elements:

• You are responsible for the debt
• They have legal standing to sue you
• The amount they claim is accurate

Demand detailed account statements showing:

• All charges match your original credit agreement
• Every purchase or transaction you made
• All payments and credits applied to the account
• How interest and fees were calculated

Debt collectors frequently cannot meet this burden. Missing documentation often leads to dismissal or a favorable settlement.

Check the Statute of Limitations

Every state limits how long creditors can sue you for old debts. The statute of limitations typically ranges from three to six years.

The clock starts on the last date of account activity. Account activity includes:

• Making a payment
• Making a purchase
• Acknowledging the debt in writing
• Any other account use

Credence Resource Management may be suing on time-barred debt. If the statute of limitations expired, raise this as an affirmative defense in your Answer. The court will dismiss the case.

Be careful not to restart the clock by accident. Making even a small payment or acknowledging the debt resets the statute of limitations.

File a Countersuit for FDCPA Violations

The Fair Debt Collection Practices Act protects you from abusive collection tactics. Credence Resource Management must follow strict rules when collecting debts.

Debt collectors cannot:

• Call you before 8 a.m. or after 9 p.m.
• Use obscene or threatening language
• Call your workplace if you’ve asked them to stop
• Contact your friends or family about the debt
• Misrepresent the amount you owe
• Threaten arrest or criminal charges
• Pretend to be attorneys or government officials
• Fail to disclose they are debt collectors
• Call you repeatedly to harass you
• Publish your debt information
• Ignore your written dispute of the debt

Document every FDCPA violation you experience. Save voicemails, record call times, and keep all letters.

You can countersue for violations. Debt collectors who break these laws must pay your attorney fees and up to $1,000 in statutory damages. You may also recover compensation for emotional distress and other harm.

Negotiate a Settlement Before Court

Settling the debt costs less than fighting in court. You can negotiate directly with the law firm representing Credence Resource Management.

Start by offering 40-50% of the claimed balance. Debt collectors often accept less than the full amount to avoid trial costs.

Lump sum settlements work better than payment plans. Collectors prefer guaranteed money now over uncertain monthly payments later.

Get every settlement agreement in writing before paying. The agreement should state:

• The exact settlement amount
• That payment satisfies the debt in full
• That they will dismiss the lawsuit
• That they will not sell any remaining balance

Never give collectors access to your bank account. Pay by money order or cashier’s check only.

Our partner Solo can help you respond to the lawsuit first, then negotiate a settlement from a position of strength.

Should You Consider Bankruptcy?

Bankruptcy stops all collection activity immediately through an automatic stay. The stay halts lawsuits, wage garnishments, and collection calls.

Consider bankruptcy only if you face overwhelming debt from multiple creditors. A single lawsuit from Credence Resource Management rarely justifies bankruptcy.

Bankruptcy damages your credit for years. Chapter 7 stays on your credit report for 10 years. Chapter 13 remains for seven years.

Explore alternatives first:

• Debt settlement to pay less than you owe
• Debt consolidation to combine multiple debts
• Credit counseling for a structured payment plan

Bankruptcy makes sense when you cannot pay your debts even with these alternatives. Consult a bankruptcy attorney to discuss your options.

Take Action Before Your Deadline

You have limited time to respond to the Credence Resource Management lawsuit. The summons lists your deadline, usually 20-30 days from when you were served.

Missing the deadline gives Credence Resource Management an automatic win. You lose all defenses and all negotiating power.

File your Answer today. Challenge their proof, demand documentation, and protect your rights. You can win this case or settle for pennies on the dollar.

The choice is yours, but you must act before time runs out.