If you're already being sued for debt - that is, they've filed suit against you and served you or you have found out in some other way - you have an immediate decision to make. You could give up and let them get a judgment and take your money if they can find it. This doesn't seem like a good choice, does it? I'll take it since you're here that you agree.
You have an excellent chance to fight the debt collectors, and you can do that in one of two ways. You can either hire a lawyer or represent yourself (this is called "pro se" representation).
While I have always considered hiring a lawyer who understands debt law and will be aggressively on your side as the best way to defend yourself if you can afford it, there are two problems with it. First, it is almost always pretty expensive, and it can be very expensive sometimes, And secondly, it can be difficult to find the right lawyer - and it isn't always easy to tell who is the wrong lawyer.
It can make sense to represent yourself. This type of law is not extremely complicated, and the debt collectors are often lazy or simply do not have and cannot get what they need, to beat you. If you want to take this route, then I suggest that you get our Litigation Bundle and a Gold Membership here. That will give you the guidance you need. I also recommend that you sign up for the Seven Steps program for a lot of information that will help guide you through this process. It's free whether or not you purchase any of our products, and we strongly recommend it for everyone being sued.
I have always considered hiring a lawyer who knows debt law as the best option when you're sued for debt if you can afford it. As I mention above, the challenge can be finding a lawyer who is experienced in debt law defense and who is not too expensive. I believe I have found a good option for that - a prepaid legal plan specializing in debt defense. If you think you would like to hear about this plan, Go here.