What to do if someone is trying to sue me?

UPDATED: Sep 30, 2022

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What to do if someone is trying to sue me?

I few months back, I was involved in a car accident that did just over $25,000 in damage. Myself and 2 others were involved. I rear-ended a woman who slammed on her brakes very quickly in front of me and my delayed reaction cause the wreck. I hit her and she proceeded to swerve out of the way, come to a complete stop, and drive into the corner of a building. My car still did not stop and I also ended up rear-ending another vehicle who remained perfectly straight in our lane. It was one big mess and I thought we had cleared it up. The second woman’s insurance company contacted me and I explained that due to injuries I sustained, I lost my job and have $4,000 in medical bills and $400 in tickets from the wreck. That company agreed to take whatever my insurance company could offer and be done with it. My car was covered completely via total loss and gap insurance. The majority of everything else was also covered. The first woman’s insurance company went straight to a law firm and sent me a letter stating that immediate action is required of me and that I owe them 8,000 that they had to pay in damages. I have nothing – not a penny to my name, no job, no assets. Absolutely nothing. After losing my job I now have bad credit that will likely continue to decline and follow me until I can get things sorted out. This is extremely emotional for me because I’m struggling with a toddler. I’ve had to move back home and have my family help me so that I can raise my child for the moment. I don’t know what to do. I can’t even afford a lawyer.

Asked on July 21, 2017 under Accident Law, Oklahoma


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

There isn't much you can do. You can pay what they want; you can try to settle for a lesser amount and/or payment over time; you can defend the case in court, possibly as your own lawyer ("pro se") but will probably lose--the rear driver (the one who rear ends another) is almost always considered to be at fault. Those are your options. If you fight and lose, you could potentially file for bankruptcy to eliminate or reduce the debt; bankruptcy works against debts owed from lawsuits and car accidents, so long as you were DUI (you can't discharge in bankruptcy amounts owed due to DUI/DWI).

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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