⚠️ 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.
Laws vary by state. Deadlines vary by state. Courts vary by county. What's true where I live may not be true where you live, and getting the details wrong can have real consequences.
I started with South Carolina because that's where my case is. More states are coming as I research them, but each one takes time to do carefully.
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 Information on this site may be incomplete, out of date, or inapplicable to your situation.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.