Sued by Moss Law Firm? How to Settle Your Debt and Win
Moss Law Firm is a Texas-based debt collector that files lawsuits for major creditors like Citibank and Capital One. You can settle debt by validating the claim, calculating what you can afford, and negotiating a written agreement. If sued, respond within your state's deadline and raise defenses like statute of limitations to protect yourself.
Respond to LawsuitGetting phone calls and letters from the Moss Law Firm? You’re probably feeling stressed and frustrated. Don’t worry. You can resolve your debt and move forward with your life.
Who Is Moss Law Firm?
Moss Law Firm is a debt collection law firm based in Lubbock, Texas. The firm operates as a professional debt collector. Moss Law Firm PC used to be known as Allen L Adkins and Associates.
Moss Law Firm Sued You? Respond Now
You have limited time to answer a Moss Law Firm lawsuit before facing default judgment. Our partner Solo helps you create legal documents and negotiate settlement online.
Answer the LawsuitWho Does Moss Law Firm Collect For?
Moss Law Firm files a large volume of debt collection lawsuits. The firm represents major financial institutions, most notably Citibank.
Major creditors that Moss Law Firm represents include:
- Capital One
- Citibank
- JP Morgan Chase Bank
Read Consumer Reviews of Moss Law Firm
Want to know what other consumers experienced? Check out these Moss Law Firm reviews:
How to Settle Debt with Moss Law Firm
Ignoring phone calls and letters won’t make your debt disappear. Avoiding Moss Law Firm will likely prompt them to file a lawsuit. You can avoid court by reaching out and negotiating a settlement.
Follow these five steps to settle with Moss Law Firm:
1. Validate the Debt
Don’t recall the debt or think it’s not yours? Request formal debt validation from Moss Law Firm. They’re legally required to prove you owe the debt.
2. Calculate What You Can Afford
Figure out how much you can actually pay. Consider either a lump-sum payment or monthly installments. Lump-sum payments work best, but payment plans are usually available. You can start with monthly payments and convert to a lump sum later.
3. Make Your Initial Offer
Start negotiations below what you can actually afford. Opening low gives you flexibility to negotiate upward during discussions.
4. Negotiate Back and Forth
Moss Law Firm will likely counter your first offer. Don’t take rejection personally. Counteroffers are normal during negotiations.
5. Get Everything in Writing
Reached an agreement? Get the settlement terms in writing before paying anything. A written agreement protects you from future disputes.
Our partner Solo helps you negotiate with Moss Law Firm and settle your debt online.
You Can Defend Yourself Against a Moss Law Firm Lawsuit
Settlement negotiations fell through? Moss Law Firm filed a lawsuit against you? You need to respond appropriately and promptly.
Don’t throw away the lawsuit notice. Ignoring the lawsuit means you’re letting them win automatically. You have better options available.
How to Write Your Answer to the Complaint
Follow these guidelines when drafting your Answer:
- Read each allegation in the Complaint carefully
- Respond to each claim with admit, deny, or lack of knowledge
- Admit only what is completely accurate
- Deny anything you want Moss Law Firm to prove
Moss Law Firm must prove you owe the debt. Don’t make their job easier by agreeing to inaccurate claims.
File Your Answer on Time
Timing is critical when responding to a lawsuit. Your Summons shows where and when to file. Most states require a response within 20 or 30 days. Check your state’s specific deadline.
After filing with the court clerk, mail a copy to Moss Law Firm.
The FDCPA Protects You from Abusive Collectors
You have rights under the Fair Debt Collection Practices Act. The FDCPA sets strict rules that debt collectors must follow.
Moss Law Firm cannot:
- Call or write to you at work
- Use rude or vulgar language
- Threaten to sue you
- Contact you before 8 am or after 9 pm
Document any FDCPA violations by Moss Law Firm. You may have grounds for legal action.
Effective Affirmative Defenses to Use
Your Answer gives you the chance to challenge Moss Law Firm’s claims. Remember that they must prove their case completely.
Moss Law Firm must prove:
- They have the legal right to sue you
- You’re the person who owes the debt
- You owe the exact amount claimed
If they fail to prove any of these elements, you can win.
Statute of Limitations Defense
The statute of limitations may have expired on your debt. Each state sets time limits for filing debt collection lawsuits. These limits typically range from one to five years.
Did Moss Law Firm sue you after the deadline? You can file a motion to dismiss the case with prejudice.
Consider Filing a Counterclaim
You might file a counterclaim against Moss Law Firm. You’ll need evidence of FDCPA violations.
Examples include voice messages showing calls outside permitted hours. These violations could entitle you to compensatory damages.
What to Do If Moss Law Firm Sues You
Here’s your action plan for dealing with a Moss Law Firm lawsuit:
- Document all improper contact attempts (calls before 8 am or after 9 pm)
- Note any workplace calls or vulgar language used
- File your Answer within the deadline stated in your Summons
- Raise appropriate defenses like statute of limitations
- Demand that Moss Law Firm provide proof of the debt
You can beat Moss Law Firm in court or settle outside of court. You have multiple legal options. Choose the path that makes sense for your situation.
Next Steps After Filing Your Answer
Filing an Answer doesn’t end the lawsuit. You need to take further action to avoid a judgment.
You have two main options:
Option A: Contact Moss Law Firm Directly
Call the firm to discuss settlement options. Negotiating directly can resolve the matter quickly.
Option B: Use Online Settlement Tools
Our partner Solo offers secure online settlement negotiation. You can communicate and settle without phone calls or court appearances.
Settling now helps you avoid court hearings and additional legal proceedings. The clock is ticking on your opportunity to settle.
If Settlement Fails
Unable to settle? You may need to appear in court or respond to motions. Missing court dates or failing to respond can result in automatic judgment.
Key points to remember:
- Attend all scheduled court hearings
- Respond promptly to any motions filed
- Consider hiring an attorney for court proceedings
- Court responses have strict deadlines
How Solo Helps You Resolve Debt
Solo makes debt resolution simple and accessible. The web-based platform helps you navigate debt disputes with automated tools.
SoloSettle for Negotiations
Negotiate with collectors through an online settlement portal. The process is faster, simpler, and less intimidating. SoloSettle ensures all necessary paperwork is completed legally.
SoloSuit for Lawsuit Responses
Been sued by a debt collector? SoloSuit creates personalized legal documents for your case. The Answer document helps you avoid default judgment and wage garnishment. The software asks tailored questions and drafts customized legal documents based on your responses.