The First Line of Defense: Before Debt Becomes Default, Judgment, or Enforcement

Debt does not usually become a judgment, garnishment, repossession, foreclosure, or enforcement action overnight.

In many cases, there are critical stages, notices, communications, and procedural steps that occur long before aggressive collection or enforcement begins.

Unfortunately, many people lose leverage early because they:

• respond emotionally,

• miss important deadlines,

• make harmful admissions,