For those of you who are facing credit card lawsuits and junk debt buyers and can’t afford an attorney to fight back I have a solution for you. Through my personal experience I learned how to win my lawsuit and can help you do the same. I was sued by Capital One and two collection agencies. I won both cases! With the right information you can too can win. You don’t even have to hire an attorney.
After you have been served a credit card lawsuit take time to actually look over the Summons and the Complaint. Then start from there. If you begin reading your Complaint and actually paying attention to ever single word, there’s a big chance you will start finding errors. Winning your lawsuit all starts with the actual complaint.
I will let you in on something. Oftentimes the collection agency is not expecting you to answer your Summons. This is how they can get a Default Judgment and use this judgment to garnish your wages and legally freeze your bank accounts. The junk debt buyers also expect you to call them. Once you have called them and even discuss settling, you’re basically admitting that you owe them this money and they can use this against you. This is the first mistake a lot of people make.
Take the first step to win your collection agency/junk debt buyer lawsuit. In order to avoid default judgment you must answer your summons. Do it the right way by listing all your Affirmative Defenses. The chances of the collection agency dropping or dismissing the case increase once you have answered your summons because they don’t want to deal with people who know their rights and actually fight back. I fought back, without an attorney, and I have a book that can help you do just the same.
There are a few things you will want to consider about junk debt buyers. Almost all junk debt buyers do not have the documents to back up their claim. They don’t even have the proper chain of assignment so don’t even fall for any assignment that states they purchased ACCOUNTS from the original creditor. Another thing to consider is that because most junk debt buyers don’t have the documents to back up their claim in a court of law they will attempt to submit into evidence an Affidavit of Debt and that can get thrown out of court. I’m sorry but their affidavit is trash! It’s not even worth the paper it’s written on. These are just a few tips, and you can learn even more from my package which walks you through the whole process. Trust me! You really can defeat the junk debt buyers and slimy collection agencies.
Want to find out more about how to handle a credit card lawsuit, then visit my site on how to answer a summons for credit card debt .
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