OneMain Financial Suing You? Here’s What to Do Right Now
OneMain Financial will sue you for unpaid personal loan debts. You must file an Answer within 14-30 days to avoid automatic judgment. You can win by challenging their proof, asserting defenses, or showing the statute of limitations has expired.
Answer Your LawsuitYou missed one payment. Now OneMain Financial is suing you for your personal loan debt.
Don’t panic. You still have legal rights and options. Thousands of people successfully defend themselves against debt collection lawsuits every year.
Stop OneMain Financial's Lawsuit Before Your Deadline Expires
You have only 14-30 days to respond to OneMain Financial's lawsuit. Our partner Solo helps you draft and file your Answer with attorney review. Protect your wages and property now.
Respond to OneMainWe’ll show you exactly how to respond when OneMain Financial takes you to court.
Who Is OneMain Financial?
OneMain Financial operates over 1,500 locations across America. They’ve been lending money for more than 100 years.
The company specializes in personal loans between $1,500 and $20,000. These loans typically fund:
- Auto purchases and heavy equipment
- Debt consolidation
- Medical expenses
- Vacation costs
- Home improvements
OneMain Financial is your original creditor, not a debt collector. They own the debt you owe them. But they’ll still sue you if you fall behind on payments.
Their internal collections department will contact you first. If that doesn’t work, they file a lawsuit.
OneMain Financial Contact Information:
601 N.W. Second Street
Evansville, IN 47708
Phone: 800-290-7002
Email: customerservice@omf.com
Understanding Debt Collection Lawsuits
Debt collection lawsuits are expensive. Court costs and attorney fees add up quickly. Most lenders use lawsuits as a last resort.
Yes, OneMain Financial will sue you. They file thousands of lawsuits every year.
Every lawsuit begins with two documents: a Summons and Complaint. The Summons notifies you of the case. The Complaint lists the specific claims against you.
The Complaint details how much money OneMain Financial says you owe. It includes supporting documents like your original loan agreement and payment history.
What Happens If OneMain Financial Wins
OneMain Financial gains powerful collection tools if they win their lawsuit:
- Property liens: Can OneMain Financial take your car? Yes. They can place a lien on your vehicle, home, or other assets. You’ll need to pay them before you can sell your property or keep any profits.
- Wage garnishment: Can OneMain Financial garnish your wages? Absolutely. The court can order your employer to send part of your paycheck directly to OneMain Financial. They can garnish paychecks, alimony, and child support.
These consequences are serious. Never ignore a Summons and Complaint from OneMain Financial.
Your legal problems won’t disappear on their own. You must take action immediately.
Our partner Solo can help you respond to OneMain Financial’s lawsuit and protect your wages and property.
How to Respond to a OneMain Financial Lawsuit
The clock starts ticking when you receive the Summons and Complaint. You have limited time to file your response.
Your response is called an Answer. Most states give you 14 to 30 days to file it.
Three Ways to Win Your Case
Courts accept several defenses in debt collection cases. You can win if:
- OneMain Financial fails to prove their case
- You prove you don’t owe the money
- The statute of limitations has expired
OneMain Financial carries the burden of proof. You’re presumed innocent. They must prove you’re responsible for the debt.
They need to show the court a complete paper trail. That includes your original loan agreement and payment records. If they can’t provide these documents, you win.
You can also win by proving you don’t owe the money. Maybe you already paid the debt. Perhaps someone stole your identity. Documentation proving these facts defeats their case.
Finally, check your state’s statute of limitations. Each state sets time limits on debt collection lawsuits. If OneMain Financial filed too late, the court must dismiss your case.
Don’t Let OneMain Financial Win by Default
Most debt collection lawsuits end in default judgments. The defendant never files an Answer. The court automatically rules for the plaintiff.
Don’t become another statistic. File your Answer on time.
Steps to File Your Answer
Follow these three steps to respond to OneMain Financial’s lawsuit:
- Respond to each claim in the Complaint
- Assert your affirmative defenses
- File the Answer with the court and send a copy to OneMain Financial
Real Example
Rachel received a lawsuit from OneMain Financial for a debt she didn’t recognize. She suspected identity theft.
OneMain Financial refused to help her. Rachel learned she needed to respond quickly. She used our partner Solo to draft and file her Answer.
Rachel included information about the identity theft as an affirmative defense. The court threw out the case. Rachel then focused on resolving the identity theft with law enforcement.
Common Complaints About OneMain Financial
You’re not alone if OneMain Financial treated you unfairly.
The Better Business Bureau received nearly 900 complaints against OneMain Financial in three years. The Consumer Financial Protection Bureau logged 2,000 complaints in the last decade.
Customers complain about high interest rates, unauthorized charges, and harassment. Many report aggressive collection calls even after making payments.
Real Customer Complaint
Here’s an actual complaint from the CFPB database:
“I have 2 loans with OneMain Financial in Ohio. I’ve been paying for several years. The interest rate is predatory. OneMain Financial calls me every day harassing me about my next payment after I’ve already paid! They flood my voicemail so I can’t receive messages. This harassment has continued for 8 months. I’ve spoken to the County Prosecutor and will pursue further action.”
OneMain Financial Class Action Lawsuits
OneMain Financial has violated the Telephone Consumer Protection Act multiple times. Several class action lawsuits have been filed against them.
These cases involve using automated dialing systems to contact consumers. OneMain Financial kept calling even after people requested written communication only.
OneMain Financial will use aggressive tactics to collect debts. Knowing your rights protects you from illegal harassment.
Your Rights When Dealing With OneMain Financial
You have legal protections against debt collectors and creditors. The Fair Debt Collection Practices Act limits what they can do.
OneMain Financial cannot:
- Call you before 8 a.m. or after 9 p.m.
- Contact you at work if you’ve told them not to
- Harass, threaten, or abuse you
- Lie about how much you owe
- Threaten actions they can’t legally take
Document every interaction with OneMain Financial. Keep records of calls, letters, and payments. These documents help you defend yourself in court.
Take Action Today
OneMain Financial files lawsuits regularly. They have experienced attorneys and deep pockets.
But you can fight back successfully. Thousands of people win their cases every year.
The key is responding quickly and correctly. Don’t wait until the deadline passes. File your Answer as soon as possible.
Our partner Solo makes it easy to respond to OneMain Financial’s lawsuit. Their step-by-step process guides you through creating your Answer. An attorney reviews your document before filing it with the court.
You can also use Solo to negotiate and settle your debt for less than you owe. Many creditors accept reduced payments rather than going to trial.
Don’t let OneMain Financial take your wages or property. Respond to their lawsuit and protect your rights.