A lawyer can help you understand your rights and options and represent you in court. If you can't afford a lawyer, you may be able to get free or low-cost legal help from a legal aid organization.
2. File an answer to the complaint.
The answer is your response to the lender's complaint. In your answer, you must admit or deny each allegation in the complaint and assert any defenses you have.
3. Attend all court hearings.
It is important to attend all court hearings so that you can present your case and respond to the lender's arguments. If you fail to appear at a hearing, the court may enter a default judgment against you.
4. Negotiate a settlement.
Before trial, you may be able to negotiate a settlement with the lender. A settlement can help you avoid the costs and uncertainties of trial and may allow you to keep your car.
5. Go to trial.
If you cannot reach a settlement, you will need to go to trial. At trial, you will have the opportunity to present evidence and witnesses to support your case. The judge or jury will then decide who wins the case.
