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The following information may not apply in your state of residence. A defense is the reason(s) why the debtor should win the case and the plaintiff (creditor) should lose the case. If the plaintiff fails to prove its case, then the defendant (debtor) wins the debt collection lawsuit and no money is owed to the creditor. The following reasons should never be used as your defense: a statement from you stating that you'll willing to setup a monthly payment arrangement with the creditor, a statement from you stating that you're willing to agree upon a settlement offer, the reason(s) why the account became past due, etc.

If you go to court with the intention on stating one of the above defenses or a similar defense, you can be sure as the rising of the sun that the judge may slap you with a judgment in favor of the plaintiff.

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