Have you been served with a debt collection lawsuit from Morgan & Associates, P.C.? Our Texas debt defense lawyers understand that being sued, especially for debt, can be overwhelming and scary. However, you likely have more legal options than you think to get it dismissed, fight it, settle it, or even completely wipe out your unsecured debt. Below, we explain what to know and what you can do if facing a Morgan and Associates debt collection lawsuit in Texas.
At Warren & Migliaccio, we defend individuals across Texas facing debt collection lawsuits by creditors and debt collectors. If you are being sued for debt, do not hesitate to call us at (888) 548-9078 or contact us online to schedule a free consultation to discuss your situation. We are happy to review the claims against you and discuss your best options for putting it behind you.
What Is Morgan & Associates, P.C.?
Morgan & Associates, P.C. is a debt collection law firm based in Oklahoma City, Oklahoma. It is a component of Morgan Financial Group and focuses on collections and litigation. According to its website, it assists banks, financial institutions, retailers, oil companies, municipalities, and utility companies in pursuing consumer and commercial debt collection nationwide.
Is Morgan and Associates Legit?
You may wonder if Morgan and Associates is legitimate because you have likely never heard of it, and there is minimal information about it online. However, it is a bonded and registered debt collector in Texas. Because it is bonded and registered, it can legally engage in debt collection activities in Texas. You can search for it on the Texas Secretary of State website using debt collector file number 970398. It has been active since 1997.
Why Is Morgan & Associates Suing Me?
In many cases, creditors hire debt collection law firms like Morgan and Associates to collect unpaid and overdue debts. Morgan & Associates is suing you because a creditor believes you owe money and has hired this firm to collect the debt. This debt could be a credit card balance, personal loan, or another type of debt that your creditor claims you have not paid.
Morgan and Associates often represents the following creditors in Texas debt collection lawsuits:
By suing you, Morgan & Associates aims to obtain a court judgment against you. If you fail to respond to the lawsuit, the court may issue a default judgment in their favor. A default judgment essentially means Morgan & Associates wins the case. It gives them the legal authority to pursue further collection actions against you, such as:
- Bank garnishment, or freezing and taking money directly from your bank accounts
- Placing a lien, or a legal claim, on your property
- Seizing property
It is critical to act quickly to avoid a default judgment. Do not hesitate to reach out to us for legal help. Our Texas debt defense lawyers have significant experience and success defending Texans against lawsuits from firms like Morgan & Associates. We can help you understand your legal options, develop a strategy for your defense, and strive to get you the best possible results for your situation.
What to Do if Facing a Morgan and Associates Debt Collection Lawsuit
If Morgan & Associates sues you for debt collection, we recommend taking immediate action. Even if you do not recognize the debt or think it may be a scam, do not ignore it. Instead, reach out to an experienced Texas debt defense lawyer from our firm.
We offer a free consultation to discuss your situation. During the consultation, we can review the claims against you and help you understand your legal rights and obligations under the law. We are happy to answer your legal questions, discuss your legal options, and what you can expect from the process.
Whether you work with an attorney or not, the only way to avoid a default judgment is to formally respond to the Morgan and Associates lawsuit. This response is an Answer, and you must submit it to the appropriate court by the deadline, which varies depending on the court handling your case. However, you may have as little as 14 days to submit your Answer.
Your Answer should address each allegation in the complaint filed against you. You can admit, deny, or state that you lack sufficient information to admit or deny each allegation. You can also use affirmative defenses you may have for each allegation. Common defenses include incorrect debt amounts, mistaken identity, and expired statute of limitations.
After you complete your response, you must file it with the court and send a copy to Morgan & Associates. You can use our guide about responding to a court summons as a resource to help you with your response. However, we recommend working with an attorney to determine the best defense strategies for your situation and handle your Answer on your behalf.
What Are My Legal Options for Resolving a Morgan and Associates Lawsuit?
When facing a debt collection lawsuit from Morgan & Associates, there are several options you can consider, depending on your unique situation. Generally, your legal options may include the following:
- Challenging the debt. One of the first steps you should take is to challenge the validity of the lawsuit. Morgan & Associates must verify the debt, prove that you owe the debt, and that it has the legal right to collect it. If it fails to provide sufficient evidence or there are weaknesses in its case, you may be able to get the lawsuit dismissed or fight it and win in court.
- Negotiating a settlement. Another option is to negotiate a settlement with Morgan & Associates. Negotiation may be a good option if you recognize the debt, the firm has a strong case against you, and you want to avoid the risk of going to court. In many cases, you can negotiate a reduction in the overall amount owed, especially if you can pay a lump sum. Creditors may accept less than the total amount owed if it means saving time and resources to go to court and resolve the debt quickly.
- Exploring alternative debt relief options. Are you overwhelmed with debt? If so, exploring alternative debt relief options, like bankruptcy, may be the best course of action. Filing for bankruptcy puts an automatic stay on collection activities, including lawsuits. Depending on the type of bankruptcy, you may be able to discharge your credit card or personal loan debt. Our Texas debt defense lawyers also handle bankruptcy cases. We can determine whether it may be a viable option for you.
Schedule a Free Consultation With Our Texas Debt Defense Lawyers to Discuss Your Case
Are you facing a Morgan and Associates debt collection lawsuit in Texas? If so, do not hesitate to contact our Texas debt defense lawyers for a free consultation. You likely have more legal options than you think to resolve the lawsuit.
We are happy to review the claims against you, answer your legal questions, and discuss your options for putting the lawsuit behind you. Call us at (888) 584-9614 or contact us online, and we will contact you soon.
