What to Do if Facing a Jenkins & Young Lawsuit for Debt Collection in Texas

If you are facing a debt collection lawsuit, it is normal to feel overwhelmed, especially if you are up against a law firm like Jenkins & Young, P.C., known for representing large creditors and debt buyers in Texas. But remember, you have legal options to help protect yourself in this situation. At Warren & Migliaccio, we defend individuals like you against debt collection lawsuits in Texas. Below, we provide an overview of Jenkins & Young, P.C. and steps you can take if facing a Jenkins & Young lawsuit in Texas.

Who Is Jenkins & Young, P.C.?

Jenkins & Young, P.C. is a law firm based in Lubbock, Texas, that emphasizes consumer collections and litigation on behalf of creditors. According to its website, it helps businesses collect debts in Texas, Oklahoma, and New Mexico. The firm highlights its 65 years of combined experience and in-place procedures to navigate and resolve debt collection cases for its clients efficiently. 

What Creditors Does Jenkins & Young Represent in Texas?

Jenkins & Young, P.C. serves various creditors and debt buyers. Their client list includes major financial institutions, credit card companies, and debt buyers. The firm is often charged with pre-suit collections first. When pre-suit collections fail, the firm files lawsuits to collect consumer debts for its clients. Some of the creditors that Jenkins & Young represents in Texas include the following:

• Cavalry SPV I, LLC
• Citibank, N.A.
• Department Stores National Bank
• LVNV Funding, LLC
• Synchrony Bank
• Truist Financial Corporation

What Do I Do if Sued by Jenkins & Young, P.C.?

Are you being sued by Jenkins & Young for debt collection in Texas? Our experienced Texas debt resolution lawyers recommend taking the following steps:

Step 1: Consult With a Texas Debt Defense Attorney

Consider consulting with an experienced debt defense lawyer as soon as possible. The creditor suing you has an experienced law firm on its side. You should have an experienced debt defense lawyer on your side to protect your best interests. During a consultation, an attorney from our firm can review the claims against you and assist you in understanding your legal rights and options for moving forward.

We can also help you understand how we can help you through this stressful time. We know how to navigate the intricacies of debt collection law, understand the tactics that creditors and law firms use to recover debts, and can formulate a strategic plan to defend your rights.

Step 2: Respond to the Jenkins & Young Lawsuit

The most critical step in protecting yourself in a debt collection lawsuit is responding to the suit promptly. It is essential not to ignore the lawsuit. Doing so can lead to a default judgment in favor of Jenkins & Young’s client. With a default judgment, Jenkins & Young can pursue the debt from you through bank garnishment (freezing your bank accounts), liens on your property, or property seizure. 

After being served with a collection lawsuit in Texas, you generally have 20 days to respond by filing an “Answer” with the court. In some cases, you may only have 14 days to respond. If you miss your deadline, you may lose the case. If you have an attorney, your attorney can prepare, draft, and file your Answer on your behalf.  

Step 3: Verify the Debt

Your next step should be to verify the legitimacy of the claimed debt. You have the right to demand debt validation from Jenkins & Young to establish whether you owe the debt, and its client has the right to collect the debt. Sometimes, creditors may pursue debts that are time-barred, discharged, or not even owed by you. In some cases, the amount of debt the creditor claims may be incorrect. 

Suppose Jenkins & Young’s client does not have adequate proof to collect the debt. In that case, you may be able to get the case dismissed or use it to your advantage for settlement negotiations or challenging the lawsuit.

About Warren & Migliaccio and How We Can Help

Warren & Migliaccio is an experienced debt collection defense law firm based in Texas. We are committed to representing and defending individuals facing debt collection lawsuits from creditors and debt buyers. Our Texas debt collection defense lawyers represent individuals across Texas.

Our team has significant experience and success representing individuals against creditors and their attorneys like Jenkins & Young, P.C. We handle all aspects of debt collection defense, including but not limited to:

• Case evaluation. We evaluate the claims against our client and explore potential defenses in each case. Possible defenses in a debt collection lawsuit vary from the statute of limitations to debt ownership and documentation issues. We assess the strengths and weaknesses of the case, aiming to develop a strong defense strategy to assist in case dismissal, settlement negotiations, or fighting the lawsuit in court.
• Case strategy. Based on the unique circumstances of the case, we advise our clients whether to negotiate a settlement with Jenkins & Young, P.C., prepare for trial, or seek alternative debt resolution options like bankruptcy. The right decision for you largely depends on the strengths and weaknesses of the case and your financial situation.

• Negotiation and settlement. We possess strong negotiation skills and often reach settlements with creditors and debt buyers that reduce our clients’ debt and establish manageable payment plans.

• Representation in court. We are also prepared to represent our clients in court, advocating for their rights and challenging the creditor’s claims.

Schedule a Case Review With Our Texas Debt Resolution Attorneys

We understand that facing a debt collection lawsuit can be stressful and overwhelming. At Warren & Migliaccio, we are here to help you navigate the legal process and fight for your best interests. 

If you are facing a Jenkins & Young lawsuit, do not hesitate to reach out to us to discuss your situation. We are happy to review the claims against you, discuss next steps to protect yourself, and discuss your potential legal options for resolving the lawsuit. Call us at (888) 584-9614 or contact us online today.