Receiving a summons and complaint for a debt lawsuit is overwhelming. Whether it’s a credit card company or a debt buyer you’ve never heard of, the clock is ticking. Failure to respond within the legal deadline can lead to a default judgment, allowing creditors to freeze your bank accounts or place liens on your property.

At Cannon Legal PLLC, we provide tough, strategic defense for consumers facing debt lawsuits. Our mission is to level the playing field, hold creditors accountable, and help you reach the best possible outcome—whether that’s a dismissal, a favorable settlement, or a complete defense at trial.

One of the most important factors in your case is who is suing you. At Cannon Legal PLLC, we pride ourselves on helping clients understand exactly who they are up against.

An original creditor is the bank or company that first extended you credit. Think of household names like Chase, Wells Fargo, Capital One, or Citibank. When an original creditor sues you, they typically have all the records of your account, including your original contract and payment history.

A debt buyer (often called a “junk debt buyer”) is a third-party company that purchases portfolios of delinquent debt for pennies on the dollar. These companies do not provide loans; their entire business model is based on suing consumers to collect the full balance plus interest.

Because debt buyers purchase thousands of accounts at once, they often lack the proper documentation to prove they actually own your specific debt. This “gap” in the chain of title is one of the strongest defense strategies we use to get cases dismissed.

When you hire Cannon Legal PLLC, we don’t just “settle” for whatever the creditor wants. We look for every possible legal advantage to protect you:

• Challenging “Standing”: We demand the plaintiff prove they have the legal right to sue you by showing a clear chain of title from the original creditor to them.

• Statute of Limitations: Debt doesn’t last forever. If the creditor waited too long to sue, we can move to have the case dismissed.

• Inaccurate Balances: Many lawsuits include “junk fees” and interest that the creditor isn’t legally entitled to collect.

• FDCPA Violations: If the debt collector used abusive or deceptive tactics, we may be able to turn the tables and sue them for damages.