Sued by Ally Bank?

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Why did Ally Bank file a lawsuit against me?

  • Ally Bank sues consumers that default on balances that they lent.  They want their money back.  They are counting on the fact that you will not respond or show up to court. If you do not then they may take a Default Judgment against you. In Louisiana, a judgment can be aggressively collected for ten (10) years and even longer if they keep renewing the judgment. This gives Ally Bank a long time in which to come after you. Many consumers think that a judgment is just a worthless piece of paper. They think that they can not be forced to pay a judgment in Louisiana,. They are wrong.

What are my options when being sued by Ally Bank?


  • Attempt to Negotiate a settlement with Ally Bank before the answer is due. Many consumers recognize they may owe a debt and choose to attempt to settle the debt before an answer is due to the court. Ally Bank is often receptive to a quick settlement rather than spending more time and money in a lawsuit. Even if they can provide some of the documentation to the court, there is always a chance they could lose.
  • Answer the Lawsuit filed by Ally Bank. Even if a consumer thinks they owe a debt it is still up to Ally Bank to prove that they own the debt, have the right to file suit, and have enough documentation to prove a debt is owed. They may not be able to successfully produce all required documentation when challenged.
  • Do nothing. Many people decide to do nothing for lack of funds or fear of what can happen. Ally Bank may take a Judgment against them and then ultimately have their bank accounts frozen (Bank Garnishment). Judgments in Louisiana are good for 10 years initially and they carry a minimum interest of 10%. The amount of an unresolved judgment can significantly increase over time.


Cost to Settle Ally Bank Lawsuit

Under $3K Face Value

$45000Flat Fee
  • 2 payments allowed

$3K to $10K Face Value

$65000Flat Fee
  • 3 payments allowed

$10K to $25K Face Value

$95000Flat Fee
  • 4 payments allowed

$25K to $40K value

$1,50000Flat Fee
  • 5 payments allowed

Cost to Answer and Fight a Ally Bank Lawsuit

Under $3K Face Value

$1,00000Flat Fee
  • 2 payments allowed

$3K to $10K Face Value

$1,35000Flat Fee
  • 5 payments allowed

$10K to $25K Face Value

$1,85000Flat Fee
  • 10 payments allowed

$25K to $40K value

$2,75000Flat Fee
  • 10 payments allowed

What happens if I do not answer the lawsuit?

Many choose not to answer a Ally Bank lawsuit. In that case, a defendant (you) can expect to:

  • Possibly lose the court case.