Empower Yourself Against Debt Collectors Become a Member Today!

Expert guidance, exclusive resources, & personalized support to defend your rights.

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Why Choose Us

With us, you’ll find more and better information on negotiating with debt collectors, defending yourself against them in court, and repairing your credit than anywhere else.

Expertise in Debt Defense

They have professionals who understand consumer rights, debt collection laws, and legal loopholes. You need that, too. Get it here.

Protection from Harassment

Debt collectors can be aggressive, using intimidation and persistent calls. We help you stop the harassment.

Knowledge of Debt Settlement & Negotiation

Sometimes you can’t afford to pay everything they say you owe. We can show you powerful techniques to get them to accept less while minimizing the damage to your credit report.

How to become a member today

How It Works

Sign Up & Choose a Plan

Lawyers are trying to make at least $150/hour in fees in most cases, and most people being sued for debt don’t have that much money. This means your best option may be to represent yourself. You can do it, and we can help.

Download & Customize Templates

Hiring a lawyer is always the “gold standard” if you can find a good one and afford it, but that’s not always possible for people being sued for debt. Don’t give up! You can defend yourself.

Defend & Win

Debt collectors win most of the cases they file because almost all the people they’re suing give up. If people DID fight back, they’d usually beat the debt collectors because they rarely have the proof they need.

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Check Our Blogs

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Do YLLU Materials Work against Original Creditors?

March 6, 2025

Debt defendants should be scaring debtors

Our Membership Drive

February 20, 2025

Your Right to a Jury – Should you Demand One

March 23, 2023

Jury Trial I know I’ve discussed whether you should seek…

Testimonials

Here’s what a few people using our materials have had to say

Hi Ken! I have great news! I have an offer of mutual dismissal with prejudice. Last month I was sued by Riverwalk Holdings for a debt. All they attached to their complaint was an old UNAUTHENTICATED account statement. They were trying to sue me for over $5500 plus INTEREST. I filed my answer and affirmative defenses, AND a counterclaim for suing me for interest NOT supported by any contract or agreement, a violation of the FDCPA. I also filed a graduated sworn denial PLUS my Discovery for the plaintiff.

FMDangelo

F. M. DangeloHappy Customer

Thank you so much for these videos! This information helped me win my case! I was sued by a debt buyer for an old credit card debt. I answered the petition, and got a trial date. I entered the court, the Bailiff says, “The attorneys are giving people a last chance to settle, so if you want, you can discuss your case with them”. I talked to the attorney and told him I wanted the original credit card statements to prove how I owe this amount…they couldn’t because they don’t have em! Case dismissed!

Twin688 @youtube

Twin688 @youtubeHappy Customer

This guy knows his stuff. I got all his forms which literally takes you step by step and even has all the sample templates!!!

If you want to win please watch all these videos and get his Forms. Also send everyone you know these videos, let’s spread the truth and collapse these evil banksters!!!

Tacticalsheepdog @youtube

"Tactical Sheepdog"Happy Customer

Frequently Asked Questions

1. Where do I Start and How do I Join?

Where you start depends a lot on what brought you here. If you’re being sued, joining us is your best option. Click on “join membership” under “Memberships” on the main menu. If you are well into the suit and looking for one specific thing, you might find a specific product more helpful. Membership is a much better deal in most cases because not only do you get the products, but you also get the teleconferences and other membership benefits.

2. How Do I Find Stuff here?

If you know what you’re looking for, you can do a site search, which will turn up lots of articles, videos, and other information. If you aren’t sure exactly what you need, you can browse the list of articles and videos for ideas. Or you can join us and ask in a teleconference.

3. Should I Defend Myself Pro Se?

Hiring a lawyer is the “gold standard,” and if you can afford one and you really have to win, that’s your best choice. Most people reading this, however, can’t afford, or can’t find, a good lawyer, which can be tricky. If that’s you, defending yourself pro se makes a lot of sense. Debt law isn’t incredibly complicated, and the lawyers on the other side are rarely the best lawyers around. You can beat them, and you’ll save a ton of money if you do. It also feels really great. They’ve pushed you around, and you can push them back.

4. Do I have a Right to a Jury Trial?

In almost all cases involving debt you have a right to a jury trial. For more on this, do a site search for “jury.” We recommend that most people demand a jury – it raises the cost of suing you a lot and gives you a better chance to win in most cases.

5. Do Your Materials Work against Original Creditors?

Our materials do work against original creditors because they help you navigate the legal system, and that’s the most important thing. If you have an original creditor and aren’t in California, you’ll have fewer options for counterclaims, but you’ll get a lot of help defending yourself. You’ll almost always do yourself a lot of good by fighting back, and we can help with that in many ways.

6. Who Is Suing Me?

You would think it would be obvious, wouldn’t you? The name of the plaintiff is usually the one suing you, but in a few rare instances a debt collector will sue in the name of the original creditor without making that clear. Our position is that’s a violation of the Fair Debt Collection Practices Act.

What if I’ve defaulted? Is it game over?

Technically, a “default” is what happens when you’re served but don’t respond in time. This can happen for a lot of reasons. It could be they actually served you and you didn’t answer, but it could also be that they never served you but said they did. This question is too complex to answer generically other than to say it is not necessarily “game over.” If you realize you were served and failed to respond fairly quickly, it won’t usually be hard to “vacate” a default. Under other circumstances, though, the amount of time that has passed doesn’t matter (except proof can be more difficult). If you’ve defaulted, you should talk to us.

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Join Thousands Who Have Taken Control of Their Debt

We can help you beat the debt collectors. Click on the Articles button on the menu bar above to go to publicly available videos and articles, click on the products button if you would like to see our products, or join us to get it all.

We can help either way. Click on the Articles button on the menu bar above to go to publically available videos and articles,

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