How To Win a Mariner Finance Lawsuit

January 14, 2024

How To Win a Mariner Finance Lawsuit

Sued for a debt by Mariner Finance? This guide is for you. Use ZumaZip to respond in 15 minutes and win your lawsuit.

If you find yourself holding a legal summons because Mariner Finance is suing you, don ‘t worry. Sure, easy from the outside looking in to say this but worrying or exhibiting immobilizing fear in this situation is absolutely the wrong thing for you to do.

What is the right thing to do, you ask? Take action. You have to know that you have legal rights in this situation. Every jurisdiction has different time requirements but they all provide only a limited amount of time for you to protect your rights.

Now that you are prepared to take decisive action, where do you begin? You will begin to develop your legal strategy on how to defend yourself in this lawsuit. You can choose to do nothing, but taking action will provide you with the real possibilities of a better outcome.

The best place to start is to find out everything you can about Mariner Finance. Who they are and what they do. Gathering this information on Mariner Finance will be a priority.

What is Mariner Finance?

Providing personal loans, automobile loans, and even mortgages are the bulk of Mariner Finance’s business. The headquarters is located in Nottingham, Maryland but Mariner Finance has close to 500 branch offices nationwide. With that large number of offices, virtually anyone in the country that has done business with Mariner is susceptible to be named in a suit if their loan is behind or in default.

In addition to the mortgages and loans described above, Mariner Finance also is involved in the payday loan industry. Any finance company that has been in business for some time will generate complaints. They may even be sued themselves if their actions are severe enough.

Debt collection is a well-regulated industry. Local, state, and federal agencies hold debt collectors, collection agencies, collection law firms, and finance companies accountable for every phone call, letter and text they may send. So, complaints become a fairly regular occurrence for some in the business of collecting debt.

Mariner Finance reviews

Mariner Finance has not only had its share of complaints, but they have also had a class-action suit filed against them. Mariner had to pay a $1.5 million settlement in that suit. Gathering information on Mariner can only help in your defense to fight this lawsuit.

What happens if you don’t pay Mariner Finance?

As the loan originator, Mariner Finance has two choices to make if you have an account with them. If the loan is being paid timely, the choice by Mariner will be to keep working the account with their in house collection staff. This also is the protocol if the payments aren’t exactly timely but the consumer is communicating with them and making fairly regular payments.

The next option for Mariner occurs when the customer stops payments altogether. You see, if a consumer stops paying, then Mariner has to decide how they are going to get paid. The main factor in the decision they take will be the balance on the account. If the balance is small, they can charge off the account. Sure, they can outsource the account to a collection agency, continue to work it in house or close it and throw it on the pile of their unpaid accounts.

However, if the balance is sufficient enough, Mariner Finance will decide to take legal action. If they take this drastic action against you, it will be a matter of time before you are served with a summons. This is formally known as the Complaint. It would be completely understandable to panic at this time, but don’t.

There is work for you to do and there is a limited amount of time in which to do what needs to be done in your best interests.

Why you need to respond to a Mariner Finance lawsuit

Aside from the fact that every one of us has the legal right to fight a lawsuit against us, the worst thing a consumer can do is to ignore the Complaint. Some of you may be thinking that you are not an attorney — that you don’t have the first clue as to what you should do. Know that ZumaZip can help you.

The lawsuit, formally known as the Complaint, has language in it that alleges everything Mariner Finance believes about you and this debt. You have the right to answer every single allegation made against you. These answers are known by the legal term, Affirmative Defenses. This is how you can protect your rights.

Ignoring Mariner Finance’s complaint could lead to dire consequences. They may file a motion for summary judgment, which, if unchallenged, could result in the court granting them the judgment. This empowers Mariner to pursue aggressive collection actions such as wage garnishment, freezing bank accounts, or placing liens on personal property.

Don’t risk your financial stability. Take action and respond to the complaint. Your response is crucial in defending your rights and preventing Mariner from securing a summary judgment.

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

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