Should You Hire a Litigation Attorney? What to Know First

By Talk About Debt Team
Reviewed by Ben Jackson
Last Updated: February 17, 2026
7 min read
The Bottom Line

Hiring a litigation attorney makes sense for complex, high-stakes cases where professional expertise justifies the cost. For debt collection lawsuits, you can often represent yourself effectively using proper resources, saving thousands in legal fees while protecting your rights.

Respond to Your Lawsuit

Are you facing a lawsuit or considering filing one? You might be weighing whether a litigation attorney is worth the cost. Attorneys can be expensive and sometimes hard to find. But for certain cases, they’re absolutely necessary. For others, you can handle things yourself.

Understanding when you need legal help saves you money and stress. You deserve to know your options before making a decision.

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What Does a Litigation Attorney Do?

A litigation attorney manages your legal claim from start to finish. They investigate your case, file court documents, and represent you in negotiations. If needed, they’ll take your case to trial and handle appeals.

You’ll find litigation attorneys in every practice area. Personal injury, criminal defense, business disputes, and debt collection all have specialized attorneys.

How Litigation Attorneys Help You

Your attorney handles the heavy lifting of your legal claim. They gather evidence to support your position. They draft legal documents that meet court requirements. They negotiate with opposing parties on your behalf.

During trial, they present your case persuasively. They know courtroom procedures and rules of evidence. Their experience can make or break your outcome.

Finding the Right Attorney for Your Case

You need to match your attorney to your specific legal problem. A car accident requires a personal injury lawyer. A business contract dispute needs a commercial litigation attorney. A debt lawsuit needs someone experienced in consumer law.

Start by searching for attorneys in your area who handle your case type. Check their Google and Yelp reviews for client experiences. Look for patterns in feedback, both positive and negative.

Visit their websites to review their background and results. Many attorneys list case outcomes and settlements they’ve won. Prior success in cases like yours matters.

Schedule Consultations Before Deciding

Meet with at least two or three attorneys before choosing one. Most offer free initial consultations. These meetings serve several important purposes.

First, you’ll learn whether you actually have a valid case. Sometimes the evidence isn’t strong enough to pursue legal action. The statute of limitations might have expired. An attorney will give you an honest assessment.

Second, you can ask detailed questions about your situation. What damages might you recover? How long will the process take? What are your chances of success? Getting multiple opinions helps you understand your position.

Third, you’ll gauge whether the attorney is right for you. Do they listen to your concerns? Do they explain things clearly? Can they dedicate proper attention to your case?

Choose an attorney who makes you feel heard and understood. Your comfort level matters when sharing sensitive details.

Understanding the Litigation Process

Your attorney starts with an investigation phase. They collect evidence supporting your claim. For a car accident, they obtain police reports, medical records, and video footage. They review insurance policies and contact other involved parties.

Pleadings and Initial Filings

After investigation comes the pleadings stage. The plaintiff files a Complaint outlining what happened and damages sought. The defendant responds with an Answer addressing each allegation.

Your attorney drafts these documents carefully. They must follow specific court rules and deadlines. Missing a deadline can destroy your case.

Negotiation and Settlement

Most cases settle before trial. Your attorney negotiates on your behalf to reach a fair resolution. They leverage their knowledge of case values and similar outcomes.

Settlement saves time, money, and stress compared to trial. Your attorney advises whether settlement offers are reasonable. The final decision to settle is always yours.

Going to Trial

If settlement fails, your case goes to trial. Trials can be lengthy and expensive. Your attorney presents evidence, questions witnesses, and argues your position.

They know courtroom procedures and how to handle unexpected developments. Their trial experience is invaluable during this stressful process.

Appeals

After trial, your attorney may file an appeal if appropriate. Appeals require identifying specific legal errors the court made. You can’t appeal simply because you lost.

The appeals process is complex and specialized. Your attorney must have appellate experience to succeed.

How Much Does a Litigation Attorney Cost?

Attorney fees vary widely based on practice area and billing structure. Business attorneys typically charge hourly rates from $200 to $500 or more. You pay for every phone call, email, and court appearance.

Contingency Fee Arrangements

Personal injury attorneys usually work on contingency fees. You pay nothing upfront. If they win your case, they take a percentage of your award. If you lose, you owe nothing.

Typical contingency fees range from 33% to 40% of your recovery. The percentage might increase if your case goes to trial.

Flat Fees for Simple Cases

Some attorneys charge flat fees for straightforward matters. Responding to a debt lawsuit might cost $500 to $1,500. Simple contract review could be $300 to $800.

Always ask about billing during your consultation. Get fee agreements in writing before hiring anyone.

When You Don’t Need an Attorney

Not every legal situation requires professional representation. Small claims court cases typically don’t need attorneys. The amounts involved don’t justify the cost.

Debt collection lawsuits often fall into this category. If you’re being sued for $1,500, hiring an attorney for $1,500 makes no financial sense. You can represent yourself effectively with the right resources.

Debt Lawsuits and Self-Representation

Debt collectors sue thousands of people every year. Most defendants never respond, leading to automatic judgments against them. Simply filing an Answer protects you from default judgment.

Our partner Solo helps you respond to debt lawsuits without expensive attorneys. You answer questions about your case online. The system generates a proper legal Answer document.

An attorney reviews your Answer before filing. You file it with the court and send a copy to the collector’s attorney. The entire process takes less than an hour.

What Happens After You Answer

Filing your Answer forces collectors to prove their case. Many can’t produce proper documentation. They may dismiss the lawsuit rather than fight.

Even if they continue, you’ve protected your rights and started negotiations from a stronger position. You might settle for less than the full amount.

Do Most Lawsuits Go to Trial?

No, most cases settle before reaching a courtroom. Personal injury claims settle over 90% of the time. Business disputes often resolve through mediation.

Even debt collection cases rarely go to trial. Collectors prefer negotiated settlements to courtroom battles. Filing your Answer opens the door to settlement discussions.

Trial is expensive and unpredictable for both sides. Settlement provides certainty and saves resources.

Steps to Respond to a Debt Lawsuit Yourself

You can handle debt collection lawsuits without an attorney. Follow these three critical steps to protect yourself.

Step 1: Respond to Each Allegation

The Complaint lists specific claims against you. You must respond to each one. Admit what’s true, deny what’s false, and state when you lack enough information.

Never ignore allegations. Silence counts as admission in court.

Step 2: Assert Your Defenses

Raise any legal defenses you have. Common defenses include statute of limitations, wrong defendant, or lack of documentation. Your Answer should list all applicable defenses.

Affirmative defenses shift the burden back to the collector. They must overcome your defenses to win.

Step 3: File and Serve Your Answer

File your Answer with the court by your state’s deadline. Deadlines range from 14 to 35 days depending on location. Missing your deadline leads to default judgment.

Send a copy to the collector’s attorney by certified mail. Keep proof of mailing for your records.

Making Your Decision

Hiring a litigation attorney depends on your case type and circumstances. Complex cases with high stakes justify the expense. Simple matters often don’t.

For debt collection lawsuits, self-representation with proper guidance makes financial sense. You protect your rights without draining your bank account.

Evaluate your situation honestly. Consult with attorneys if you’re unsure. But know that you have options beyond expensive legal representation.

You can take control of your legal situation today. The right approach depends on your specific circumstances and resources.

Frequently Asked Questions

What is a litigation attorney and what do they do?

A litigation attorney manages your legal claim from start to finish. They investigate your case, file court documents, negotiate with opposing parties, and represent you at trial if necessary. They specialize in different practice areas like personal injury, business disputes, or debt collection cases.

How much does hiring a litigation attorney cost?

Attorney costs vary by practice area and billing structure. Business attorneys typically charge $200-$500+ per hour. Personal injury attorneys usually work on contingency fees of 33-40% of your recovery. Some attorneys charge flat fees of $500-$1,500 for simple matters like responding to debt lawsuits.

Can I represent myself in a debt collection lawsuit?

Yes, you can successfully represent yourself in debt collection lawsuits. You need to file an Answer within your state's deadline (typically 14-35 days), respond to each allegation, and assert your defenses. Many people use online resources to draft proper legal documents without hiring expensive attorneys.

Do most lawsuits end up going to trial?

No, most lawsuits settle before reaching trial. Over 90% of personal injury cases settle through negotiation. Debt collection cases rarely go to trial because collectors prefer negotiated settlements. Trial is expensive and unpredictable for both parties, making settlement more attractive.

How do I choose the right litigation attorney for my case?

Match your attorney to your specific legal problem and meet with at least 2-3 attorneys before deciding. Check their reviews, examine their website for relevant experience and results, and schedule consultations. Choose an attorney who listens to you, explains things clearly, and has succeeded in cases similar to yours.