Getting sued for debt can throw your life off balance, but you don’t have to face it on your own. In this episode of The Debt Hotline, Hannah Locklear is joined by Mitchell Ortega, Director of Litigation at Guardian Litigation Group. With years of experience in debt defense, bankruptcy, and consumer protection, Mitchell breaks down the debt lawsuit process from start to finish and shares the key steps you can take to protect yourself.
Together, Hannah and Mitchell explain why most lawsuits don’t start with reckless spending but with life events like job loss, medical bills, or divorce. They cover what happens when you receive a demand letter, why you should never ignore service of process, and how filing an Answer keeps default judgment off the table. Mitchell also highlights how discovery works, when to consider arbitration, and what to do if identity theft or fraud is involved.
Sued for debt? Use Solo to respond: https://www.solosuit.com/?utm_source=podcastSolo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt at
https://www.solosuit.com/giveaway?utm_source=podcastIn this week’s episode of The Debt Hotline, you’ll learn:- What a demand letter means and why it matters
- Why avoiding service can make things worse
- How filing an Answer is your strongest first defense
- Why discovery is an opportunity, not just a burden
- How and when to negotiate a settlement before trial
- What default judgments really mean for your wages and assets
- How arbitration and identity theft change the litigation landscape
The bottom line: Debt lawsuits are stressful, but with the right steps, you can regain control. Respond, negotiate, and settle before court for the best outcomes (in most cases). To submit a question to The Debt Hotline:
