Does the lawsuit itself hurt my credit?
No. Lawsuits are not reported by the credit bureaus, and civil judgments have not appeared on standard consumer credit reports since 2017. The charged-off account already on your report is what is hurting you. The common belief that ignoring a lawsuit protects your credit has it exactly backwards.
For Defendants
Sued by a debt collector?
Check your deadline and get your court answer prepared before it runs out.
Respond to a LawsuitSueEasy is a self-help legal technology product built by LegalForce RAPC Worldwide, P.C. This page is for general information and is not legal advice. We are not a law firm and cannot represent you in court.