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Sued by Enerson Law? How to Settle Your Debt

George Simons | January 31, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Are you being sued by Enerson Law for an old debt? File an Answer to block a default judgment and give yourself the time you need to negotiate and settle outside of court. Use Solo to streamline this process.

Are you being contacted by a debt collector affiliated with Enerson Law? You might feel hopeless and ready to throw your hands in the air. Do not give up hope. You have options and pathways to resolve your debt issue, like negotiating a debt settlement.

If Enerson Law sues you for a debt that is allegedly owed, the most important thing to remember is that you have legal rights and protections. There are certain steps you can take to engage with Enerson Law and reach a favorable outcome.

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You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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Who is Enerson Law?

Enerson Law is a Wisconsin-based law firm that specializes in debt collection and routinely files debt collection lawsuits against consumers.

Use Solo to respond to a debt collection lawsuit fast.

Who does Enerson Law collect for?

Enerson Law represents various companies in debt collection matters. For example, they appear to be the designated counsel that engages in debt collection on behalf of CACH, LLC or Square Two Financial.

Check out Enerson Law reviews online

Learning about what other people have said regarding their debt collection experience with Enerson Law is a prudent decision, especially if you are looking to establish a line of communication with the debt collection law firm. We can help. Take a moment to check out these online reviews:

Generally speaking, the online reviews of Enerson Law are a combination of good and not-so-good. Nevertheless, there are reviews showing that people can have a relatively positive experience communicating with Enerson Law attorneys about a debt collection matter.

If you reach out to Enerson Law, you greatly improve your odds of reaching a resolution on your debt issue. Effective communication is key.

Respond to the lawsuit quickly

When Enerson Law sues you for a debt, you will be served the legal notice by a process server. If you owe the debt and you cannot pay, you could think you'll just toss it in the trash and move on. But Enerson Law will get an automatic judgment in this case, so please don't do that. And, the debt collector will add in interest and legal fees, which could double what you owe.

Once the debt collector files the lawsuit, the entire matter is in the court's hands. So, you cannot just call the debt collector at this point. Now, you need to offer a legal Answer to the lawsuit. To do that effectively, here's what to do:

  • Don't admit that the debt is yours. It is important to make Enerson Law prove that you owe what they said and you're responsible for the debt.
  • File the answer with your county clerk of court.
  • Get a stamped copy of the legal answer from the clerk of court.
  • Mail that copy to Enerson Law.

Remember to respond to the lawsuit within the period mentioned in the summons. Usually, this is 30 days. If you miss that deadline, there will be a default judgment against you. Once this happens, they can come after you, so don't let this happen!

Question their right to sue you

A very effective way to fight back is to question their right to file suit against you. By the time Enerson Law has your debt, it probably was sold at least two or three times.

They need to show that they have the right to sue you. If you don't respond to the suit, the judge will conclude that you owe the debt. But if you ask for documentation about the debt from Enerson Law, the judge will probably allow it.

The debt collector must provide the original credit agreement you signed, as well as all of the documentation going back to when you first opened the account. This will show that all paperwork is accurate and originated from the original creditor. If the debt collector cannot provide this, then the lawsuit could be thrown out.

Pick the right affirmative defense with Solo and win your case.

Enerson Law bears the burden of proof

Remember that the plaintiff has the burden of proof, not you. So, they have to provide ample documentation that you owe this debt, that they have the right to sue you, and that you owe that amount.

For example, if Enerson Law states that you owe $10,000, you should request paperwork that shows when you opened your credit account and ends with the last time you paid the card or used it. The idea is to insist that they show that you owe every dime that they claim.

The paperwork they provide must show the balance increased as you used the card. It also must show that it went up with the fees that were in the credit agreement you signed. If you didn't agree to those fees, they don't have legal standing. They need to show that the balance was accurate and reflects all payments and adjustments.

Again, most debts are sold several times before they get to court, so it may be impossible for the debt collector to come up with all of this paperwork. If you make Enerson Law work hard to dig up paperwork, they may decide to move on to easier cases...ideally the ones where the consumer didn't respond to the lawsuit.

Consider using the statute of limitations as a defense

The statute of limitations establishes how long Enerson Law has to sue you for a debt. The rules change by state. Most of them have a time limit of four to six years. Note that the clock for the statute of limitations on debt collection cases starts on the day that you last had activity on the card, which includes payments or purchases. Note that you should talk to an attorney before you make a payment on a card because Enerson Law can just use that to restart the clock to be able to sue you.

If there is evidence indicating that a debt collector violated a provision of the Fair Debt Collection Practices Act, you could have grounds to file a counterclaim against the law firm and ask for compensatory damages.

Make the right defense the right way with Solo.

How to negotiate with Enerson Law to settle your debt

If you acknowledge the fact that you owe the debt and prefer to avoid the hassle and stress of duking it out in a legal battle, then consider trying to negotiate a debt settlement.

Here are some recommended steps to try and settle your debt with Enerson Law:

  1. In the event you are served with a debt collection lawsuit by Enerson Law, then make sure to file a timely Answer so you don’t get hit with a default judgment. Why? Because a default judgment can negatively impact your negotiating position when you commence settlement talks.
  2. After responding to the debt collection lawsuit, take some time to determine what you can realistically pay toward the balance via a negotiated settlement. Figuring out a settlement range can help with the negotiations process. Consider using the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Once you have your settlement parameters in place, contact Enerson Law to kick off settlement talks. Generally speaking, your opening offer should be less than the maximum amount you can actually pay. Why? Because this will give you some flexibility to negotiate upwards, in the event Enerson Law declines your initial offer.
  4. Be prepared to go through multiple rounds of negotiations.
  5. If you have success in reaching a debt settlement agreement, make sure to get the terms in writing.
  6. Both you and the attorney with Enerson Law need to sign the agreement.
  7. Pay the negotiated amount in a timely manner.

To learn more about these settlement tips and others that may assist you on your journey to settle debt with Enerson Law, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

Overview of what to do if you are sued by Enerson Law

Here is a general overview of what to do if you are being sued by Enerson Law:

  • Write down details of any phone calls from the debt collector before 8 AM or after 9 PM. Also, note if the debt collector contacts you at work or uses offensive language.
  • Be sure to file an answer within the timeframe the Court gives you.
  • In the Answer, think about raising one or more affirmative defenses, such as the statute of limitations.
  • Demand that Enerson Law provide you proof of the amount owed and that you are the one who is legally responsible for the debt.
  • Consider filing a counterclaim if the debt collector violated the FDCPA.

Best of luck!

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