Sued By Equable Ascent Financial, LLC? Here's Help.
You have about 30 days from the day you were served to file a written response, and that's usually enough time.
Miss that deadline and the plaintiff can take a default judgment against you. Respond, and the plaintiff has to prove its case, which is harder than it sounds. Here's how, and how I can help.
Equable Ascent Financial, LLC started life as Hilco Receivables, part of the Hilco family of companies, and took its current name at the end of 2009. It bought charged-off consumer debt and filed collection suits in volume, California included. And then it went quiet. There's no sign of a current operation under the name, though no formal dissolution is on the public record either.
So if Equable Ascent is in your life today, it's almost certainly through old paper. An old lawsuit, an old judgment, a stubborn line on a credit report. Old collection paper raises its own questions, and they're worth asking before you pay anyone anything. Who owns the account now. Whether a judgment was renewed on time. Whether whoever is contacting you can prove any of it.
If someone is actively collecting on an Equable Ascent account, make them identify themselves and their authority in writing. Accounts from wound-down debt buyers change hands, and whoever holds yours has to be able to prove the whole chain.
Use the thirty days
From the day you're served, you generally have thirty days to file a written response with the court. If nothing gets filed, the plaintiff can ask for an automatic judgment against you (called a default judgment), and with a judgment they can levy your bank account, meaning they take the money directly, garnish your wages if you have a job, or put a lien on your house. Responding is what makes everything above matter, because a defended case is where the proof gets tested.
Two reads that will help. Here's how to calculate your deadline, which is more particular than people expect. And the top five mistakes people make when they get sued is five minutes well spent before you decide anything.
Let it be my problem
If you'd rather hand this off, the consultation is free, it takes fifteen minutes, and you speak with me directly. No intake screener, no telemarketer. Although the outcome can't be guaranteed, you can offload the process, so you know that whatever can be done is being done while you go about the other things in your life. It's sort of like the alarm clock by your bed. Once it's set, your brain stops holding the time, because that's taken care of. Let me take care of this.