The Law Office of Ben Akech

Sued by Small Business Financial LLC in Maryland? Contact Us

Sued By Small Business Financial Solutions in LLC in Maryland? Contact Us

Don’t ignore the summons. In Maryland, you may have as little as 30 days to respond. We help small business owners fight back and protect their assets.

Required Documents

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.

Why These Matter

  • 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.

The Maryland Legal Timeline

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.

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