 TITLE: What to Do if You’re Sued by a Debt Collector CONTENT: 2\\. Provide Documentation\n-------------------------\nIf you're going to challenge the lawsuit, make sure you have evidence of your claims. For example, when a debt collection agency first contacts you about a debt, it's required to provide a debt validation letter within five days. Furthermore, they're required to verify the debt if you dispute it within 30 days of the first contact.\nIf you have these documents, you can share them with the court, along with your own documentation showing that you no longer owe the debt or the figures are incorrect.\nAlso, if you believe the collection agency violated your consumer rights, share documentation backing up your claim, which can be in writing from the agency or a recording of a phone call.\nThe important thing is that you take steps to prove your case so that the court either rules in your favor or limits what the collection agency can do.\nFinally, if you aren't sure you can win but you have limited wages and assets, provide documentation showing this, as the court may prevent the agency from garnishing your wages or freezing your bank accounts. END