Contact Us for a Free Consultation 414.377.0515


How to Defend a Collection Lawsuit in Wisconsin

Posted by Nathan DeLadurantey | May 12, 2023

If you have been sued by a creditor or debt collector in Wisconsin, you may be feeling overwhelmed and unsure of what to do. The good news is that you have rights, and you can defend yourself against the lawsuit.

Here are some steps you can take to defend a collection lawsuit in Wisconsin:

  1. File an Answer. You have 20 days after being served with the lawsuit to file an Answer with the court. The Answer is your opportunity to respond to the allegations in the lawsuit.
  2. Request a Discovery Period. Once you have filed an Answer, you can request a discovery period. During this time, you will be able to gather information about the debt, such as the original contract, payment history, and any applicable statute of limitations.
  3. Dispute the Debt. If you believe that the debt is not valid, you can dispute it in your Answer. You may also want to send a letter to the creditor or debt collector disputing the debt.
  4. Negotiate a Settlement. If you are unable to dispute the debt, you may be able to negotiate a settlement with the creditor or debt collector. This is often a good option if you are unable to afford to pay the full amount of the debt.
  5. Go to Court. If you are unable to reach a settlement, you may have to go to court. If you do, it is important to be prepared. This means gathering evidence, such as pay stubs, bank statements, and letters from the creditor or debt collector. It also means being familiar with the law and your rights.

If you are facing a collection lawsuit in Wisconsin, it is important to seek legal advice as soon as possible. Attorney Nathan DeLadurantey can help you understand your rights and options, and can represent you in court if necessary. Schedule a free consultation now. 

Here are some additional tips for defending a collection lawsuit in Wisconsin:

  • Keep good records. This includes copies of all correspondence with the creditor or debt collector, as well as any documents related to the debt.
  • Be organized. Keep track of all deadlines and important dates.
  • Be proactive. Don't wait for the creditor or debt collector to contact you. Contact them first and try to resolve the matter.
  • Be prepared to negotiate. If you can't afford to pay the full amount of the debt, try to negotiate a payment plan with the creditor or debt collector.
  • Be patient. It may take some time to resolve a collection lawsuit. Don't give up.

If you follow these tips, you will be in a better position to defend yourself against a collection lawsuit in Wisconsin. Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online. 

About the Author

Nathan DeLadurantey

Nathan DeLadurantey ATTORNEY [email protected] Nathan is a skilled consumer lawyer who handles cases and trials all over Wisconsin. Phone consultations are always free and welcomed. Nathan has helped clients receive large jury verdicts and settlements stemming from consumer law violations, and is ready and able to assist.


The DeLadurantey Law Office, LLC is committed to answering your questions about Vehicle Repo's, Credit Report/Identity Theft, Auto Fraud, and Debt Collection Abuse law issues in Wisconsin.

We offer free consultation and look forward to discussing your case. Contact us today to schedule an appointment.

DeLadurantey Law Office, LLC
Mon: 08:00am - 05:00pm
Tue: 08:00am - 05:00pm
Wed: 08:00am - 05:00pm
Thu: 08:00am - 05:00pm
Fri: 08:00am - 05:00pm