According to studies, the average American now has about $38,000 in personal debt. When people are having difficulties paying of those debts, often times major corporations will hire collection agencies to go after those debts. Often times, those collection agencies will employ inappropriate and deceptive measures in order to collect those debts, which include suing you. How to Respond to a Debt Collector’s Lawsuit If a debt collection agency sues you, you should respond to that lawsuit either personally or with the help of an attorney. You should be prepared show proof of your payments of your debt if you think you do not have any debt remaining. You can also respond by saying that you want to settle the debt, you can ask the debt collection agency to settle for a fraction of what you owe the original creditor. Next Steps to Take If a debt collection agency send you a lawsuit, then you should talk with an FDCPA attorney. When you work with legal counsel, they will be able to let you know what next steps. An attorney can listen to the facts of the case and can best advise you on how to proceed. Here’s some more information on what to do if some of the largest biggest debt collectors in the United States sue you: Ability Recovery Services Account Services Collections, Inc. Action Financial Services, LLC Ad Astra Recovery Services, Inc. Affiliate Asset Solution Audit Systems, Inc. Amcol Systems, Inc. Ascension Point Recovery Atlantic Credit & Finance Avante USA, Ltd. CBE Group, Inc. Collection Bureau of the Hudson Valley Commonwealth Financial System CMRE Financial Services Constar Financial Services, LLC Consumer Portfolio Services, Inc. Credence Resources Management, LLC CSS Companies DCM Services Delta Outsource Group Delta Management Associates, Inc. Diaz & Associates Divine and Service Donald R. Conrad Dynamic Recovery Solutions FH Cann & Associates, Inc. Gatestone & Co International Inc Glass Mountain Capital, LLC Global Collection Agency Global Credit & Collection Harris & Harris Ltd. Hillcrest, Davidson & Associates, LLC HP Capital Hudson & Keyse, LLC Hunter Warfield, Inc. IMC Credit Services, LLC. I.Q. Data International, Inc. Linebarger, Goggan, Blair, & Sampson, LLP McCarthy, Burgess, & Wolff Medicredit Mitchell D. Bluhm & Associates Monarch Recovery Management Municipal Services Bureau MRS National Commercial Services, Inc. National Recoveries, Inc. NCB Management Services, Inc. Northstar Location Services Paramount Recovery Systems Penn Credit Prince Parker & Associates Professional Account Management, LLC. Professional Bureau Of Collections Of Maryland Radius Global Solutions, LLC Rash Curtis & Associates Roquemore & Roquemore, Inc. RGS Financial Rushmore Service Center, LLC Scott & Associates SIMM Associates, Inc. SRS And Associates Synerprise Consulting Services, Inc. Vital Recovery Services Wakefield & Associates Waypoint Resource Group, LLC