There are times when debt owned by you may become so huge that you may repeated fail to pay back on time.
In such a case the creditors may resort to filing for litigation as a means to get their money back.
Such an act will naturally prompt you to finding debt solutions in the quickest way possible.
Of course it will not be at your best interest to defend this debt as not owned by you.
However it is advisable that you prepare to answer the court case sooner than later.
The creditor may be rightly justified in dragging you to court for not receiving the promised sum of money from you, but you may not be in a position to pay back, clearly why you didn't pay in the first place and that is dearth of money.
The size of debt owned by you may be discouraging but don't lose hope as the cost and time required to be invested in litigation may not please the creditor too.
So start playing around the lawsuit and try buying time from your creditor while generating means to pay back your debt.
Ask the creditor for a written verification of the debt.
Coax a settlement with the creditor and suggest a quick payback of a smaller amount of the debt if acceptable to them rather than going through dreary litigation practice.
Document your attempt of negotiation with the creditor at every step which may give you better representation if sued later anyway.
Explain how it would be to the best of interest for the both of you and much less taxing to settle the debt outside of court.
In conclusion, avoid going for bankruptcy or other legal procedure.
You should not sweat thinking that there is no remedy against creditors' litigation.
Don't feel helpless and remember in case you are being harassed or sued for debt, you can get debt solution for free through number of websites.
Always remember pay in full if your financial situation allows you to.