Sued for Debt in Indiana? We Can Help
Our attorneys negotiate with debt collectors in Indiana to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 20 Days
You have 20 days from the date you are served to file your Answer with the Indiana court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Indiana
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 10 |
| Oral Contract | 6 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Indiana
Wage garnishment is allowed — up to 25% of disposable earnings
Federal limits apply. Indiana also follows the 30x minimum wage floor.
Court System in Indiana
Small claims limit $10,000. Circuit and superior courts handle larger civil matters.
Filing fees: $50-$200
Indiana Consumer Protection Law
Indiana Deceptive Consumer Sales Act
In addition to the federal FDCPA, Indiana has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Indiana Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Indiana clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 20 days to respond to the lawsuit in Indiana. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Indiana
How long do I have to respond in Indiana?
20 days from service.
What is the SOL in Indiana?
6 years for credit cards and open accounts. 10 years for written contracts.
Can wages be garnished in Indiana?
Yes. Federal limits apply.
Where are debt lawsuits filed in Indiana?
Small claims for up to $10,000. Superior or circuit court for larger amounts.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Indiana Debt
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