Frequently Asked Questions

And their Answers

Below are a few of the many excellent questions I have received. I have decided that a blog format is a better way to handle these kinds of questions and so am going to shift this part of the site over to USDebtLawExpert.com. Please go there for more on frequently asked questions.

Go to Question of the Day for a more substantial answer to particularly good and helpful questions.

Questions

What is a “debt-buyer?” 

What is the difference between a “debt collector” and a “debt-buyer?” 

What is the difference between a “debt collector” and the “original creditor?”

What is a "Cease-Communications" Letter and how do I use one?

Cease communications letters are a way to force debt collectors to leave you alone... for more of the answer, please click here.

How is a lawsuit by or against the original creditor different than one against a debt collector?

The real-world differences between original creditors and debt collectors give rise to legal differences. To consider whether you should still fight the original creditor, click here: Do the YourLegalLegUp Materials Work against Original Creditors?

What if I really "owe" the money?

Sometimes people being sued on debt ask me what they should do if they really do “owe the money.” Is it morally right to use the techniques I provide to try to escape the debt? Or should they just pay it or let the debt collectors get “their judgment?”
The short, simple answer to this question is, “not on your life!” to know why, click on What if I Really Do Owe the Money?

Answers

What is a "debt buyer?" Debt buyers are considered "debt collectors" in the law. They are companies (or sometimes individuals) that buy debt that was originally owed to someone else, usually after it is already in default or "troubled" (payments are late). I talk about debt collectors a lot, but many, and perhaps most people being sued for debt are being sued by people (or companies, usually) that have purchased the debt from someone else, ... click here for more

What is the difference between a debt buyer and an original creditor? While there is no practical difference between "debt buyers" and "debt collectors," "original creditors" are different. Original creditors are the business that originally generated the debt by selling you something or extending you credit in some way... click here for more

What is a "Cease-Communications" Letter and how do I use one? Cease communications letters are a way to force debt collectors to leave you alone... for more of the answer, please click here.