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Unfortunately there isn't a defense.

If you owe the debt and have not paid it, and the creditor has exhausted it's attempts at collections, they are probably tired of wasting money trying to get money from you. If it goes to judgement, depending on the laws of your state, they may garnish your wages, take the money directly out of your bank account, place a lien against your property - the list gets long and ugly. Face the music. Make the arrangements, pay your debt. This is much easier to solve now than after it goes to court and you end up with court costs and attorneys fees.

*EVEN THE UNEMPLOYED ARE GETTING SUED!!!!!!!!!! There are no options. They do not care if you are unemployed, if there are no jobs in or area and even a single mom to boot. These Banks that CAUSED our economic failure WILL take you to court and win. The judge then decides whether to put a lien on your house or garnish your wages leaving you unable to EVER have a decent life again. The unemployed in our country don't have a prayer. I wish people would stop sugar coating things.
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Q: What is the best defense to credit attorneys threat of judgment if payment arrangements are not made?
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