When the debts remain unpaid and severely delinquent, the creditors can take legal action against the debtor and file a civil collections lawsuit in Court. Once the debtor is served the clock starts ticking for the debtor to take action. If the complaint is filed in Small Claims Court the case would be scheduled for a Pre-Trial Conference Hearing for a specific date and time. Zuniga Law, PA has been representing debtors in these types of cases for several years. We present all possible solutions, which at times include bankruptcy in case there are other unresolved debts that are significant and make the bankruptcy option worth considering. For a consultation, contact attorney Javier Zuniga of Zuniga Law, PA at Javier@zuniga-law.com o 561-544-0944.