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Civil lawsuits stem from actions that violate the personal and constitutional rights of a person and may include issues involving personal injury, family disputes, and negligence resulting to loss.

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The worst has happened–you’ve gotten served papers for debt. But don’t despair. Here are seven steps to defend yourself against a debt collection lawsuit.

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If home values in your neighborhood decline and you lose some of your equity, there’s a good chance your neighbors will lose theirs as well. If, as a result, you default on your mortgage, there’s a higher probability they will default, too.