January 2022

Relieving the legal burdens on unrepresented defendants in debt-collection cases

  • By Javier Zurita, Luke Myers, and Elizabeth Napierkowski,

This pandemic revealed the extent of economic inequities in our society. However, defendants sued in Philadelphia Municipal Court over allegedly unpaid debt have long struggled with an additional hindrance – the issuance of default judgments based on inadequate proof that the money sought is actually owed. Our investigation and report focused on the tens of thousands of consumer-debt actions brought by collection agencies – generally out-of-state debt buyers — each year, against low-income Philadelphians. Most of these defendants do not have legal representation.

Based on our courtroom observations, court dockets, and legal research, we created a checklist intended to help the Philadelphia Municipal Court ensure that in consumer-debt claims brought by collection agencies, default judgments are awarded only when claims have merit. Our proposed checklist itemizes the evidence that the Court should require from plaintiffs before they enter judgment (for example, proof that the plaintiff actually owns the debt; proof of the terms of the contract; and proof of the amount of damages sought). The proposal draws on local and state rules and case law, especially Local Rule 120, which states that Pennsylvania Rules of Evidence apply not only at trials but also before a default judgment can be entered. It is our hope that the Court will utilize the proposed checklist to provide greater due process to defendants in debt cases.

More reflections from the Systemic Justice Project

Students Elydah Joyce and Crystal Zook share their experiences from fall ’21.

Re-ignited Goals

Elydah Joyce, ’23

I had no expectations of what my first clinic would be like at Temple Law and I ultimately was blown away by how engaging, hands-on, and enjoyable the work and class time were. Even when I was not feeling the best on a given Wednesday, the two hours of our class brought me into a great mental space, where I felt like the goals I had in entering law school (ones that have been a bit squashed by the law school grind) were re-ignited. The team I had to work with was fantastic, and it was such a refreshing experience to be placed with a passionate, effective and driven group. I feel like we collectively accomplished and learned a lot more than I could have expected from a few months of research and writing. Thanks to both the classwork and the clinic work, I have a deeper and broader understanding of collateral consequences and the USA context on incarceration issues. I am so happy to have had the chance to be part of this clinic and stand by my opinion that Professor Sibley could pursue a Netflix special that is both comedic and educational on prison abolition (or celebrities’ heights).

Reflecting on the Roles that a Lawyer Can Play

Crystal Zook, ’23

I chose to participate in the Systemic Justice Clinic because it was important to me that I have a practical element in my third semester of law school to help remind me of all the reasons I came into law school in the first place. My experience in the clinic did exactly that. The seminar challenged my thoughts and assumptions about how specific aspects of the legal system work, and about how law, power, discretion, systems, and justice operates more generally.

Both the seminar and the project aspect of the clinic encouraged me to think beyond the “normal” portrayals and understandings of what lawyers do and the interventions lawyers can be a part of in the community. I learned the importance of really stepping back to understand an issue and its context, to better understand community needs and norms, and to really reflect on the role a lawyer can and should play.