Free Initial Consultation
In order to provide you with the most accurate defense strategy, please have the following documents available (or digital copies ready to upload) when we speak:
Summons and Complaint: This is the most important document. It contains your Case Number, the Trial Date, and the specific allegations made by Small Business Financial Solutions LLC.
Proof of Service: Note the exact date and method (Sheriff, Private Process, or Certified Mail) by which you received the papers.
The Original Contract/Agreement: Any Merchant Cash Advance (MCA) or Loan Agreement you signed with SBFS LLC.
Recent Payment Records: Bank statements or a “ledger” showing the last 3–6 months of payments made to them. This helps us verify if their “Amount Due” is actually accurate.
Communication Logs: Any emails, letters, or texts between you and SBFS LLC or their collection attorneys.
Business Organization Documents: If you are being sued personally for a business debt, have your LLC or Corporate formation papers ready so we can review your personal liability.
Understanding the sequence of events is crucial for managing expectations. Here is how a typical debt defense case moves through the Maryland District Court system:
The 30-Day Deadline: You must file a formal written Answer within 30 days of being served (this extends to 60 days if you were served outside of Maryland).
The Penalty for Silence: Unlike District Court, where you might still show up and argue, if you miss the 30-day window in Circuit Court, the plaintiff will quickly file a Motion for Order of Default.
Track Assignment: Your case will be assigned to a “Track” (Standard, Expedited, or Complex) which determines how long the case will take—often 12 to 18 months.
The Deadlines: This order sets hard dates for when discovery must end and when “dispositive motions” (like a Motion for Summary Judgment) must be filed.
Interrogatories: Written questions you must answer under oath.
Request for Production of Documents: Documents to be relied upon as evidence during trial
Depositions: Out-of-court testimony that can be used later in trial.
Summary Judgment: Often, the lender will file a motion claiming there is “no dispute of fact” and asking the judge to rule immediately without a trial.
Alternative Dispute Resolution (ADR): Most Circuit Courts (like Montgomery or Baltimore County) will mandate that you sit down for mediation to try and settle before a trial date is finalized.
Pre-Trial Conference: A final meeting with a judge to see if the case can be settled.
Trial: If no settlement is reached, you proceed to a full trial, which can be held before a Jury if one was properly demanded in the initial pleadings.








