If your case is dismissed with prejudice (that means the debt buyer cannot file again), dispute the debt with the credit agencies. By dismissing the previous case without prejudice, the Court gives the creditor the option to refile its case once it was ready to do so.This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Florida. A dismissal without prejudice means that they have dropped this particular case, but kept the right to sue you again. A case that is dismissed "without prejudice" is only dismissed temporarily. This temporary dismissal means that the plaintiff is allowed to re-file charges. You can use the statute of limitations as an affirmative defense in your case to get it dismissed without prejudice. Cavalry SPV I LLC tried suing me on a 3rd party debt collection and the case was dismissed WITH prejudice. Prelitigation demand letters may be an effective way for creditors to save on paying contingent collection fees. Thus, if a creditor dismisses a lawsuit against you without prejudice, they may have the right to sue you again in the future.