Aggressive Idaho Litigators Defend You in Boise Creditor Lawsuits

Defending Nampa and Boise debtors from creditors’ legal actions

Creditors who believe you owe them money may seek a judgment against you in civil court. If your debt is $5,000 or less, creditors may sue you in small claims court. For larger amounts, creditors have access to the circuit courts. In either case, the judgments have the same effect — giving creditors rights to obtain liens against your property, seize certain assets or garnish your wages.

Since 2001, Gulstrom, Henson & Roark, P.C. has advised debtors on taking control of their debts, raising a successful defense against creditor lawsuits and stopping creditor harassment and repossession. By giving you the support you need, our goal is to help you make a fresh, debt-free start.

Why you should retain legal counsel in a creditor lawsuit in small claims court

Do not let the name “small claims court” fool you. Although it is designed to simplify civil actions, the relevant laws and court procedures still apply. In addition, you still face a substantial judgment that can create a financial burden on your family. Our litigation attorneys remain mindful of the costs and act efficiently to keep your expenses down while pursuing the best available outcome.

Defending debtors in court

The defense we raise in your case depends on your individual circumstances but may include the following:

• You were the victim of identity theft or mistaken identity — We hold the creditors to their burden of proving that the debt is yours, and we may present evidence that conclusively shows your identity was stolen or that you are not the person who owes the debt.
• The creditors missed the statute of limitations — Creditors must file their lawsuits within the statute of limitations or permanently waive their rights to sue you for damages.
• You dispute the amount the creditor alleges you owe — If you were not credited for your payments or the bank tacked on unauthorized fees and interests, we demand that the bank produce the documentation that proves the debt amount is accurate.
• The creditor sold your collateral below value — In cases in which the bank sold your repossessed property and sued you for the remainder, we may argue that your creditor failed to obtain a reasonable price for the property.

If you have been sued by a creditor, consult our litigation law firm in Boise for help

To raise an aggressive defense in a creditor lawsuit, consult with the dedicated attorneys at Gulstrom, Henson & Roark, P.C.

To schedule your free consultation, contact us online or call 208-546-9933.