⚠️ This is not legal advice. This site shares one person's experience with being sued for debt and the public information that helped me. I am not a lawyer. If you need advice about your specific case, consult a licensed attorney in your state.

I got sued for a debt. I couldn't find a lawyer who would take my case for what I could pay. So I started reading — court rules, case law, self-help guides, anything I could find. This site is the map I wish someone had handed me that first week, when I didn't even know what the papers in the envelope meant.

Every state is different

Every state has different rules, different courts, and different deadlines. What's true in one county might not be true in the next one over. I started with South Carolina because that's where my case is.

Find your state's court information

Why this exists

I've been sued for debt. I'm not a lawyer. I'm still in the middle of my own case. I built this because the information I needed was scattered across court websites, legal aid PDFs, and forum posts — and none of it was in one place.

More about this site and who writes it

About This Content

This website, The Debtor's Guide, is written by a non-attorney publishing under the pseudonym "The Debtor's Guide." It shares personal experience and publicly available information about debt collection lawsuits. Nothing on this site is legal advice, and nothing on this site creates an attorney-client relationship.

The author has been sued for debt and is self-representing through that case. The author is not licensed to practice law in any jurisdiction. The author writes under a pseudonym because the case is ongoing.

Laws and court rules vary by state and change over time. Information on this site may be incomplete, out of date, or inapplicable to your situation. Do not rely on this content to make decisions about your own case.

If you have been sued, you have deadlines. Consider these resources for your specific situation:

We are not responsible for the actions you take or do not take based on anything you read here.