Suttell & Hammer Debt Settlement Attorneys in Washington and Oregon

Suttell & Hammer Debt Settlement Attorneys

Suttell & Hammer is a debt collection law firm. Given that it’s an actual law firm, debtors are often frightened by its collections efforts. If you’ve been sued by Suttell & Hammer, you may be uncertain as to what rights you have and nervous about the legal process. You probably do not have the bandwidth with competing concerns like work and family to deal with the legal process. You likely want to know how to settle the debt and put Suttell Hammer in your rearview mirror.

This is where Northwest Debt Defense comes in. We have helped countless debtors in Washington and Oregon save significant sums of money by negotiating debt settlement payoffs for a fraction of what they originally owed. We’re ready to get started on your matter now.

About Suttell & Hammer

Suttell &  Hammer is a law firm that goes by other, similar names. The main thing to understand is that Suttell &  Hammer is a debt collector with offices throughout the western United States, including Oregon and Washington.,

Suttell & Hammer represents substantial institutional creditors, like credit card issuers, banks, and credit unions.  The firm is generally fairly hardline in negotiations insisting on documentation of income before evaluating settlement proposals.

The Suttell & Hammer Lawsuit

Being sued by a debt collector is a serious concern. If you’ve been sued by Suttell Hammer, it is critical to understand what you are now facing.

Debt lawsuits start with a complaint and summons. The complaint will contain allegations concerning your alleged debt. The complaint will state your identity as well as the balance to date. The summons contains the requirement for you to answer the lawsuit. Debtors typically have somewhere between 14 and 30 days, depending on the court,  to file a response to the lawsuit.. Ignoring a lawsuit could result in a wage garnishment being issued, where twenty-five percent of your wages are taken from your pay until the debt is paid off, or in bank levy, where the contents of your bank account are emptied without notice.

Some debtors stick their heads in the sand, thinking that if they just avoid being served with a lawsuit long enough, the plaintiff will ultimately give up. This is unlikely to be the case with Suttell & Hammer. Not only do they know how to properly serve a defendant, they know about other legal avenues if a defendant refuses to be served. The bottom line is, evading court papers will, at best, delay the inevitable. Ultimately, Suttell Hammer will likely find a way to meet the court’s service requirements.

After Suttell & Hammer Serves You

Read the Complaint court and look for any inaccuracies. Maybe you are not the individual identified in the complaint. You also need to check the amount of money for which you are being sued. Is it correct? Maybe the debt is legitimate but barred by either the Oregon or Washington Statute of Limitations. Check for any and all mistakes and take note of them.  If you find an inaccuracy, you should call a debt relief law firm like Northwest Debt Defense.

As mentioned above, you have limited time to respond to the lawsuit. Failing to respond properly and timely could enable Suttell & Hammer to simply file for a default judgment against you for the full amount.  A default judgment is the price of not taking the Suttell &  Hammer lawsuit seriously.

What Does Suttell & Hammer Do With The Judgment?

Whether by default or prevailing at trial, a judgment entitles Suttell Hammer to take additional action to get money from you. For example, the law firm may be able to repeatedly empty your bank account,  garnish your wages or, under certain circumstances, place a lien on your home.  There are numerous options available to Suttell & Hammer to satisfy the judgment against you. The firm has every incentive to do so.

What’s more, you can expect to continue racking up interest on the debt after the judgment is entered. The original amount you owed could be supplemented by attorney’s fees, interest, and court costs. Suttell & Hammer will continue pursuing you and using whatever tools it has to get the money it wants.

But it doesn’t have to be this way. You have your own options, and that includes debt settlement.

How Debt Settlement Can Resolve Your Lawsuit

Even if you’ve already had a judgment entered against you, debt settlement is still an option. Obviously, debt settlement is much more effective if you take action sooner rather than later. Suttell & Hammer is not going to be nearly as amenable to settlement once they have a garnishment in place. Reach out to a debt settlement attorney.

A debt settlement lawyer will negotiate with Suttell Hammer. One possible approach is to make a lump-sum payment for less than what you owe. The larger the lump sum offer, the more negotiating power you have. If you can only afford monthly payments, chances are, the debt can still likely be settled for a discounted amount. Northwest Debt Defense is here to help.

Call Northwest Debt Defense Today To Get Started

Debt is stressful, and a lawsuit makes it a million times worse. That’s why debt settlement is such a powerful tool. When you retain Northwest Debt Defense, we immediately get to work for you. We will review the lawsuit against you, check for any inaccuracies, and assert your rights under state and federal law.

One nice aspect of debt settlement is that the fees are entirely predictable. We only charge flat fees for cases settled prior to trial. Most of our clients are looking for exactly that: Speedy resolution designed to make a Suttel & Hammer lawsuit a distant memory so that they can go on with the business of living.