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Have you just been served with a debt collection lawsuit? Whether a process server showed up at your door or you found papers taped to your house, the clock is ticking. In this video, I break down the crucial first 48 hours and the exact steps you need to take to protect your wages, bank account, and credit. In this video: Why to NEVER avoid service (and the "Alternative Service Order" trap). How to read a Summons & Complaint to find your specific deadline. The 20-day rule: Why the calendar is your most important tool in Arizona (and beyond). Default Judgments: How to avoid the worst-case scenario of wage garnishment. The Settlement Budget: How to determine what you can actually afford to pay. Being sued by a debt collector is invasive and unsettling, but it is manageable. Don't let a default judgment happen simply because you didn't know the rules. RESOURCES MENTIONED: 📞 Call Joh office today: (602) 887-6992 👉 AZ 🌵Residents: https://calendly.com/d/ctrm-8q5-gpb 👉 Non-AZ Residents: https://swiy.co/JohnSkiba #DebtCollectionLawsuit #BeingServed #legaladvice #bankruptcy #debt Legal Disclaimer: The information provided on this YouTube channel is not legal advice and is offered for informational purposes only. You should seek out an attorney to seek legal advice on your legal issue. © Consumer Warrior, LLC - All content is owned and protected by Consumer Warrior, LLC.