Fast Track to Victory over Debt Collectors

Fast Track to Beating the Debt Collectors

Debt collection is a very big business in the U.S., with debt collectors feeding like vultures on the hardships of people having debt problems. They don’t care about you, they don’t care whether you owe or whether the amount they want is unfair – they only care about getting as much of your money as possible.

They need to be stopped.

to join us as a FastTrack Member, hover the cursor over About Memberships on the main menu and then click on Register – or click here – and choose FastTrack Membership.

Courts as Cogs in the Debt Collection Machine

The debt collectors have been using the courts as part of their collection machine for many years. And they use the threat of lawsuits even more. This lets them scare millions of people into paying whatever they can, sacrificing whatever they must to do so. And it lets them use the machinery of the law whenever they get a judgment to start garnishing wages or seizing assets.

Unfortunately, the courts have allowed the debt collectors to get away with things they wouldn’t allow other litigants – things like filing claims without any real idea of whether the claims have merit, presenting obviously fraudulent and deceptive affidavits, and using clearly inadmissible evidence, to name a few things. But these are things that happen more often when people are not paying attention. They happen in debt law because nearly everybody getting sued by a debt collector gives up.

This needs to change.

How to Stop Them

I am not suggesting that you hide, drop out, or do anything radical. There are reasonable things you can do to protect yourself and what you have without turning your life upside down or inside out. The law doesn’t have to be your enemy in this… you can make it your friend, and we can help.

As I have often pointed out, debt collection is “assembly-line” or “factory” work. That is, debt collectors buy millions of accounts and feed them into a collection machine. The machine then writes letters, calls, and often sues you. Are there any humans involved in this process? Perhaps a few. The letters and signatures are probably all automated, and the phone dialers often are as well. I wouldn’t be surprised if the “person” calling you wasn’t actually a computer – if they aren’t doing that now, they could, and they soon will be.

And then there’s the lawsuit. Do you know they have software programs that draft entire lawsuits? The lawyers who go to court swear that they have seen the files, but I have my doubts about that. If you have ever asked a debt lawyer about one of his cases, you’d know what I mean – they have no clue. But of course that doesn’t stop them from claiming they have everything they need to win.

Factory Approach

The debt collector’s approach is simple and fiendishly effective. They file a million lawsuits and collect 700,000 default judgments. They can’t find and serve some of the people they sue, and they let them go. Two hundred thousand people go to court to give up one way or the other, and you can see long lines of people waiting to ask the lawyer where to sign whatever the lawyer wants.

In perhaps 50,000 cases of a million, there is some defense. Most of the lawyers doing it simply look for a slightly better settlement number than the debt collector asked for in the petition. SOME of the lawyers know what’s going on and don’t settle at all. A few people defend themselves. Of these, many don’t really have an idea of what they’re doing and end up losing.

The Few, the Proud

A very few people represent themselves and do know what they’re doing. They learn a few rules and a few of the things they need to do… and start doing them. Almost all of these people win.

To put it in a nutshell, our goal at Your Legal Leg Up has been to put our members into this group.

Because the debt collectors are built for the factory work, most of the people who put up serious resistance, and who know what they’re doing, “fall through the cracks.” Quite often, the debt collectors simply drop the cases. In others, they pursue them a little bit. But the underlying economic reality is that it makes little sense for them to do that. They can buy a lot more cases and make a lot more money by getting the people who give up than by fighting any number of cases.

Fighting cases costs debt collectors money. If you fight long enough, they’ll be losing money on your case. We try to make that happen.

Legitimate Defense

But we don’t try to make it happen with foolish claims or time-wasting strategies. That might not be such a good idea.

We understand that debt buyers, and companies suing on debt generally, have certain legal problems. They have a hard time getting or presenting some of the critical evidence. If you want to defend yourself, you need to know what they have and what they don’t have. And you need to know it before trial. The way you find out is through a process called “discovery.”

Debt collectors don’t want you to know what they have or don’t have. In addition, I think they just can’t help themselves – they’re going to object to everything you ask in discovery because that’s just what they do. We call it “stone-walling,” and it’s a favorite strategy that basically every debt collector uses every time. It makes preparing your case harder, but it gives you a legitimate reason to make them spend money, so it’s a two-edged sword.

If you can handle it. We help you handle it. Our materials tell you what you need to do, and they help you do it, too. Our teleconferences boost your confidence and energy, and they clear up doubts.

That’s why so many of our members win their cases. We help you know what you need to know and prove what you need to prove.

testimonials for Your Legal Leg Up

testimonials for Your Legal Leg Up

Turning the Tide

I believe the debt collection process is bad for our country, and that it grinds the working and middle class into poverty. Thus I have argued it is a “social justice issue.”

And since we’re talking about social justice, this seems to be a good time to introduce myself. I’m Ken Gibert, and I was a lawyer for about fifteen years, starting as a “clerk” (assistant to judges) in the U.S. Court of Appeals for a year, and then several years as a civil rights lawyer, first as the associate of a prominent local attorney, then on my own. I practiced consumer law for several years, first putting a number of fraudulent businesses OUT of business, and then defending people being sued by debt lawyers. Then I left the practice and started Your Legal Leg Up.

I’ve marched for … well, if I haven’t marched for it there probably hasn’t been a march for it. I’ve been called lots of names, had rocks thrown at me and had my mind blown away (in a good way!) by some of the people I was marching with. I’ve hobnobbed with some real movers and shakers, run my own business, and made some mistakes, too.

Your Legal Leg Up has been in the business of helping people beat debt collectors since 2007. Twelve years as I speak. Obviously, we’ve been around for a long time. I’m proud of that and of all the people we’ve helped, but I’m a little impatient, too – it’s time to make some bigger changes.

And you probably know that I have created perhaps hundreds of videos and written thousands of pages on debt law in America. It’s safe to say I’m one of THE authorities on the subject.

Your Legal Leg Up has been in the business of helping people beat debt collectors since 2007. Twelve years as I speak. Obviously, we’ve been around for a long time. I’m proud of that and of all the people we’ve helped, but I’m a little impatient, too – it’s time to make some bigger changes.

The theme running through my whole life has been that people deserve opportunities. Given a chance, people can do some amazing things, from inventing things, to taking care of people, from building empires to raising children. People need a chance to do what they’re called to do. Thus I have fought against discrimination that prevented that, and I’ve fought against the people and businesses that seek to profit by taking unfair advantage of other people.

And right now, there may not be anything that seeks to profit more by taking advantage of people than the debt collectors. They need to be stopped.

Why I’m Telling You This

The reason I’m going into my own history and the issue of social injustice is that I want to expand our services so that we aren’t just helping people slip through the cracks of the debt factory.

I want to change it.

First, I want a LOT more people to get through the cracks, and that means dramatically increasing the reach of our services and the number of our members.

Then I want so many people to fight for themselves that they overrun the debt collection machine and the courts that serve them force them to change.

Consider the following.

The Courts

On an average day in St. Louis County, a pretty average county in mid-America, there are between two and four courts that spend the first two hours of their day processing debt claims. In each of these courts, you’ll have approximately twenty to thirty lawyers – five or six for the debt collectors, five or ten for debt defendants, and others who are there for miscellaneous reasons. You’ll have 50-100 people milling around, and a court staff consisting of a deputy (security), judge, court clerk, and sometimes a secretary or two.

Over the next two hours, each of those courts will process between 100 and 500 debt cases. It’s a rare day with under a hundred judgments; it’s common to have far more than that. And they do this every single business day of the year. It’s a profit center for the court, which charges about $50 per case (note the volume discount! It would cost you more to file suit). So at the end of the day, the court has collected, say, $15,000, and the debt collectors have garnered 250 or more judgments.

Now I ask you a question, and the answer is going to be obvious: Do you think they could do that if people stood up for themselves?

A low-priority criminal case could easily take half a day. A high-profile case – civil or criminal – could take a week. Imagine what would happen to the courts if 200 debt cases took just half a day to process. It would take almost an entire year for the court to handle what it does now in two hours of one morning.

I’m not making these numbers up – this is what I saw day in and day out where I practiced.

It would take one day. Just one day, for the court to get nearly a year behind schedule, and if you think the judges are going to stand for that… well, none of the judges I’ve ever met seem likely to appreciate anything like that.

The Lawyers

And what about the debt lawyers? They handle at least 50 cases each in an hour every morning. They get judgments of, say, approximately $250,000 in that hour five times per week. Imagine if they could only handle one case per morning and it took them four hours to do. That would reduce their judgments from $250,000 per hour to perhaps $1,000/hour. If they won.

And they wouldn’t win a lot of them because they don’t have what they need to win.

How long do you think they’d last at that rate? And it’s actually worse than that because if you were defending, the lawyers would have to spend hours with you – arguing about their ridiculous objections (which would probably stop pretty quickly), talking about the merits of the case, figuring out scheduling orders… the law can take time. When you fight.

The Debt Collection Companies

And then there’s the debt collection companies, which are designed to obtain minimal information from the creditor banks (and pay very little for it), not to pay for witnesses, not to spend money on anything other than a fraction of an hour of a lawyer’s time plus the costs of an automated collection system. Suddenly they’d need witnesses from the banks, documents, back-up staff, and all the rest of the things ordinary lawyers need and use for ordinary lawsuits. Their costs would absolutely skyrocket. Not ten times as much, a thousand times as much is what it would cost.

The whole debt collection system would come crashing to an end.

And the credit system that feeds the collection industry? That would have to change too.

You Don’t Have to Care about all that

I’m not saying you should join hands with me to end the debt collection industry that plagues the country and harasses innumerable people. I’m not suggesting anybody should march in the streets. I’m just explaining why you should join with us as a way to solve YOUR problem with the debt collectors. Because if you are being sued or harassed, you have a problem with them, and they want your money.

Our system will help you slip through the cracks of their factory… and if we get enough people fighting, you won’t have to slip through the cracks of the factory because it won’t be there anymore. The more people we get, the better off ALL of them will be.

That is my Mission

You don’t have to worry or care about the bigger picture. You’ve got plenty to do for yourself, and doing that instead of giving up will help you – and everybody. But I care about the bigger picture, and I want more people to join with us. That’s why I’m going to make the offer I’m preparing to make, and why I’m creating a special new kind of membership for the “fast-trackers” who are reading this.

Membership at Your Legal Leg Up

We have three levels of debt litigation memberships at Your Legal Leg Up right now: Gold, Platinum, and Diamond, and you can find out all about them here if you want. Let me tell you why we went to membership rather than just offering manuals or other one-time products that would help you know what you need to know.

To put it briefly, there’s a big difference between “knowing” and “doing.” Giving you lots and lots of information (as we do) won’t necessarily make you win your case. In order to win, you have to do things. You have to do the right things, consistently, and it’s a moving target because the company is also trying to win or make you give up.  They stonewall you on discovery, making foolish, repetitive and numerous objections to everything you ask for. They file motions to dismiss your counterclaim, to get the judge to keep you from asking things, or to win the case outright. Sometimes they refuse to talk to you at all…

They have a lot of tricks, and beating them means staying on the job and pushing things the way you want them to go. It can be exhausting, confusing, and discouraging.

None of that is news to you if you’ve been in a case with them before. But what’s news is that we can help.

Our memberships exist to keep you from getting exhausted, confused or discouraged. To do this, we give our members a Litigation Manual to help orient them to the case and people involved, and this is not just a little pamphlet. It’s a book of about 250 pages plus links to materials on the website (you can read more about it here if you like). We also have our document bank that reduces the difficulty and confusion in creating or responding to routine things. And again, this is no little thing, consisting of hundreds of pages of materials prepared by lawyers in cases like yours (click here to find out more on our document bank). And we have teleconferences, where you can ask questions and get answers in real time, and a large collection of member-only articles and videos.

As a FastTrack member, you will get all of the benefits of Gold Members except one thing. Instead of two teleconferences per week, you’ll get two per month.

They normally pay $100 for an initiation fee, but you’ll only pay $50.

They normally pay $25 per month for membership dues, but you’ll only pay $15.

Is This a Good Deal?

Is this a good deal for you? I’m pretty sure it is, and I know for sure you won’t find another way to defend yourself that costs anything close to this. To decide whether it works for you, though, you need to look at two things: the lawsuit against you; and the price of a lawyer. There isn’t another program like ours at all, as far as I know.

The Lawsuit against you

One option for anybody being sued is just to give up. If you are “judgment proof,” meaning you have no money that a collector could get, this might make sense. More generally, you would want to look at the amount of money you’re being sued for and compare it to what our membership will cost. If you remain with us for a year, that’s going to be $205. If you stay with us for two years, it’s going to be $385.00.

And then you have to figure the value of your time, which is a little harder to do because you never know how long the debt collector will stay in it. If you have one lawsuit, I would guess you will between 10 and 50 hours. At $10/hour (remember it’s tax free), that’s $100 – $500 worth of your time.

If they’re suing you for under $500, you might not want to defend. Anything over that and you should strongly consider defending. Of course most debt cases are for much more than that these days, but some are not. You can figure out what you need to for yourself.

But what about hiring a lawyer instead?

What about a Lawyer?

If you’ve ever tried to get a lawyer, you will know that they charge a lot. How much? That varies quite a bit. Members have told me that $2,500 to start isn’t unusual. Some charge a flat fee, others hourly – and some seem to base the amount on the amount you’re being sued for. What you can bet is that any lawyer, anywhere, is going to try to make sure he gets paid at least $100 per hour, and often it will be much more than that. You’ll have to look around, but in most cases what the lawyers want is too close to the amount you’re being sued for to be worth it. Consider that just a motion to compel discovery could easily take 20 or 30 hours of attorney time to bring (for a lawyer who doesn’t handle a lot of these cases – much less for one who does). You’ll be paying at least $100 per hour for that time.

But there’s another problem that’s just as big.

It’s hard to find a good lawyer for debt cases

It isn’t that debt law is particularly difficult, and debt collectors aren’t particularly difficult opponents, but there are things you need to know that are just not obvious. The main example of this is that most lawsuits that most lawyers bring have been checked by the lawyer bringing suit, so although the case might be stronger or weaker, it’s usually at least got some validity. Almost all the cases most defendants see are pretty good cases. Thus it makes sense to talk from the very beginning about settling the case – and it makes sense to talk about settling for half or more than half of what the plaintiff is asking. Debt law is just the opposite. Almost none of the cases have any justification at all, and it rarely makes sense to talk about settling, especially not before doing some of the back-up work (discovery).

But lawyers don’t like to turn down work, and this means that there is all too good a chance that you will hire a lawyer who doesn’t know debt law at all.

You’d be much better off representing yourself than to have most lawyers who don’t know debt law.

Think it out for yourself – we know you can, since you’re reading this letter. Our conclusion is that using Your Legal Leg Up is the best deal out there. By Far. In fact, we can’t guarantee results because there are too many unknowns, but we can guarantee that you will agree with us that our membership is a great deal.

It has to be. Because you can drop it at any time you want. And you can get your money back for up to two months if we aren’t everything you need.

In Conclusion

In conclusion, if you’re being sued by a debt collector, you have an excellent chance of winning or of settling the case for a small fraction of what the debt collector is seeking.

With our help, you will probably win by “falling between the cracks” of their debt machine and making it unprofitable to sue you. If they pursue it, you will probably win. The more people who defend themselves, the easier it will be for you.

It does take some effort. You will learn a lot about the law and the courts. Most people find they enjoy it much more than they expected.

And it will change you. Standing up and defending yourself when everybody thinks you can’t is POWERFUL. It changes the way you see the world and yourself. It feels great. And of course it will keep the debt collector from taking things you’ve worked hard to get for yourself and your family.

Join us as a FastTrack Member. Win your case and change your world.

To join us as a FastTrack Member, hover the cursor over About Memberships on the main menu and then click on Register – click here – and choose FastTrack Membership.

When you do, you will receive:

  • Access to member-only areas of the site, including our document bank and articles and videos;
  • The Debt Defense Litigation Manual;
  • Our special report, Three Weaknesses Most Debt Collectors Have; and
  • Two teleconferences per month.

Do not worry if some of these things do not appear immediately! We will send you most of the materials by email and will make certain you are able to get into the site in a short time.

I’m looking forward to meeting you!

Ken

Remember: to join us as a FastTrack Member, hover the cursor over About Memberships on the main menu and then click on Register – or click here – and choose FastTrack Membership.

If you aren’t ready to join us, click here instead for more information about debt law and your chances of defending yourself pro se.

 

testimonials for Your Legal Leg Up

Our Drive for 10,000 Members

Your Legal Leg Up has always taken a pragmatic approach to debt defense: they sue on a huge scale and take a factory approach – and our job is to help you slip through the cracks of their system. To do this, you have to understand the law a little bit and do some right things, but your defense doesn’t really hurt the profits of the debt collectors. You get out of trouble, and they continue their business in the same way as ever.

What if a lot more people defended themselves?

We think that if a lot more people defended themselves, they would ALL win. And they would change the way the debt industry, including the courts, handles people who allegedly owe money. Right now the debt industry files approximately a million lawsuits per year, producing shockingly inadequate evidence… and winning approximately 80% of the those suits (almost all of them that where the defendants get served). And to do this, my guess is they spend an average of about 20 minutes (no exaggeration!) per case.

What if every case took five hours?

What if every case took twenty-five hours?

It would shut them down and turn things around completely –  instead of them controlling everything, they’d be on the run.

Debt defendants should be scaring debtors

Debt defendants should be scaring debtors

Our goal is to help 10,000 people defend their lawsuits. Will this change everything for the industry? We don’t know. But will it change everything for you to win your lawsuit? We’re pretty sure it will – and we think we can help make your chances of winning a LOT better. Please sign up here for information that can help you win your case.

Sign up for Information if You’re Being Sued!

If you’re being sued by a debt collector, you need information about your options, and we can help. Please sign up here for a series of emails regarding the actions you can take, what your chances are, and whether and how we might help you.

 






 

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Diamond Memberships

Why you Should Join us as a Diamond Member

Diamond Membership is our best deal for people with a lot of curiosity, more than one lawsuit, or who are coaching or helping others in their cases. That’s because a main goal of Diamond membership is to go beyond the usual questions presented by debt law and the debt industry. We look at the politics and economics driving our country. And we look deeply at the law.

As anyone knows who has read our materials, most of debt law is what we call “factory work.” It’s routine and standardized, and this is simply because debt is bought and sold in gigantic deals (called “tranches”). So the average debt collector buys a hundred or a thousand (or many, many more) accounts that supposedly owe money from the same company (usually a credit card-issuing bank) and then, completely relying on the records the bank provides, harasses the people involved to collect as much as possible. And eventually they file many, many lawsuits that look almost exactly the same.

So for most of our purposes, we can simply deal with that large body of identical suits and create responses to them. They’re doing factory work, and we do something very similar.

Going Deeper and Further

But there can be more. While debt collection is generally pretty standardized, there are things that can come up that either present special challenges or issues. And in fact, for all of its routine, most debt lawsuits CAN veer out of the normal. There are always angles in every case, which can sometimes make a difference, and often make things more interesting.

And some of our members like to help others. For these – for people helping others, and for those who want to know a LOT about the law – our Diamond Membership is great.

Special Tactics

When you take on debt negotiation, debt litigation and credit repair at the same time, you discover that some of the tools work for more than one thing. For example, if a debt collector is bugging you AND has damaged your credit, you can dispute the collector’s action both through the Credit Reporting Act and the Fair Debt Collection Practices Act. These two acts have different purposes (as laws) and requirements. Verification under the two acts is different, and verification under the Credit Reporting Act is more difficult and rigorous for the debt collector – and the CRA also gives you a way to attack the original creditor as well if it is reporting you.

And you can, of course, you can use any and all the information you get through either the FDCPA and CRA (also called the FCRA, for “Fair Credit Reporting Act”) in litigation if they sue you. And you can use any information you get in a lawsuit they – or you – file, in attacking their responses under the FDCPA or FCRA. In other words, knowing all three sets of rules can sometimes be very, very helpful. Our Platinum Membership opens some of those ways up to you.

Other Benefits

As with each of the Gold Memberships, you will receive special reports and offers. As a Diamond Member, though, you get them all. This includes:

  • The Three Weaknesses Almost All Debt Collectors Have
  • Take Control of Your Life and Debt; and
  • a discount off the prepaid legal program we offer our members;
  • all the situation products (like motions packs and the other products like that).

Diamond Benefits

In addition to everything the Gold and Platinum members get, Diamond members get a lot more information. They get, basically, all of our written materials, from reports to books. This includes our reports like Got Debt? and What if I (think I) Really Owe, Do You Need a Lawyer, and all the rest. And it also includes our book – now being revised – called Special Issues in Debt Litigation. This book was originally about a 250 page book, but it is being revised into several smaller volumes now. Diamond Members will get them, free.

Coaching

In addition to the written materials, Diamond members will get their own teleconferences when the situation calls for it. As we approach our membership goals, the Diamond members will need to discuss things in greater depth and at greater length – they’ll get that opportunity. And there will be other materials, currently in the works, to help them organize, promote, analyze, and all the other things they’re likely to need.

10,000 Member Drive

As I point out in our materials on Gold Membership, a key strategy in our debt litigation program is to recognize that debt collectors take a “factory” approach. They file huge numbers of cases and work very little on them because most people either default immediately or give up quickly. So they file a hundred cases, work on none of them, get judgments on 98 percent of the cases they get served, and let a few people get away. Our program helps you be among those who get away “through the cracks.”

But what if everybody defended and fought back?

If that happened, the debt collectors would have to change completely, and until they did, pretty much EVERYBODY would get away from them. Our 10,000 member drive is about making that happen. If everybody fought back, it would shut down the debt collectors and push the judges to stop being mere cogs in the debt collection industry’s machine. With that many people fighting back, learning, watching the courts, and pushing back, it would change the nature of the debt industry completely. I think that would be a good thing.

And so I have begun a 10,000 member drive.

The Next 1,000 Members

As part of our 10,000 member drive, I am offering special discounts to help people join for less. For the next 1,000 members to join, we have slashed our Diamond membership initiation fee to $75. It’s normally $250.

Our goal is to make it possible for you to pay one monthly membership without paying anything else for all the good work you’re doing to repair your financial condition or help others with theirs.

Compare

If you’ve priced any of these services before, you know that it would likely cost you $1,500 – $2,500 to hire a lawyer just to start defending you from a debt lawsuit; it would cost you $50 or more per month to hire someone to help you with your credit report; and it would cost an arm and a leg to get help with debt negotiation and settlement – the numbers are just crazy. So our membership is a small fraction of what you would pay elsewhere. And you get a lot more with us.

The bottom line is that we want you with us, and we want you to win. We’ll do what it takes to give you the best chance possible to do that.

And join us

You can do that by going back to the membership registration page and registering now.

How You Purchase

You buy by clicking on “Register” under “About Memberships” in the main menu and choosing the level of membership you want.

Gold Litigation Membership

What Gold Membership Is, What it Costs

We talked generally about memberships in Introducing Memberships. That article gave a little of the history of this site and why we currently offer and emphasize memberships.

To repeat, briefly, what we said there, the law firms and companies specializing in debt collection have certain advantages over pro se litigants – or even represented defendants. These advantages include the ability to handle numerous cases at the same time, to build up document banks or resources so they can simply use the same materials over and over, and the ability to talk to other people doing the same thing so they can use what worked in someone else’s case in their own.

There’s really nothing we can do about their ability to handle more than one case at a time – except to try to take that away from them. That’s a key to Your Legal Leg Up’s strategy in general. By pressing the defense of our cases, pushing the discovery, arguing motions, and most of the other things we suggest, you will force the debt collector to attend to your case on an individual basis. This swings the advantages of economics in favor of the defendant. Whereas the debt collector starts by being able to handle perhaps a hundred cases at one time, by pressing your defense you force him to handle only one at a time. And they like to charge $200/hour. If you can work for under $200/hour, you’ll suddenly be doing things more cheaply than the plaintiff.

And they never know whether they’ll collect if they win.

But what of their other advantages?

Gold Membership provides:

  • Access to our constantly expanding library of member-only articles and videos;
  • Regular communications from our team regarding new opportunities and developments;
  • Access to the Document Bank – our collection of battle-tested litigation documents;
  • Free attendance at our twice-weekly telephone conferences where you can ask questions and hear others ask theirs – a great source of ideas and inspiration.

Document Bank and Teleconferences

Our member-only collection of articles and videos and document bank exists to help you overcome the main advantages of the debt collectors. You still must do individual work, but now it much less like drudgery and more useful and effective. They have standardized documents, and now you have standardized documents. They talk to each other, and now you, through our member-only materials, have access to new strategies as well.

But probably the main benefit of membership is our teleconferences. They give you a chance, twice per week, to ask specific questions of our staff at Your Legal Leg Up. With all appropriate modesty, I feel quite certain that we are among the very most knowledgeable people on this area of the law in the whole country. We’ve certainly put out more videos and articles, haven’t we? And as a lawyer I represented dozens and dozens of debt defendants – and Your Legal Leg Up, in over ten years of existence, has helped far more than that. I doubt anyone has anywhere near as much experience helping people with these cases.

And you get to tap into that twice per week. We’ll get your questions answered, too. You won’t spend a lot of the time on the phone listening to others and then hang up without answers – we go as long as necessary to make sure you get your questions answered. These things give you tools that streamline the debt defense process and take some of the doubt and worry out of it.

Just as important, the teleconferences allow you to give encouragement to others and be encouraged by them. It isn’t possible to join with others in defending your case, but this is as close as it gets. It will feel like you’re on a team, and for many people that feeling can make all the difference in results.

So What Does It Cost?

Gold Membership costs $25 per month, and we normally have a $140 sign-up fee. That covers the built-in costs of writing and keeping the Litigation Manual up to date and of creating so many of the other materials.

10,000 Members

Our goal is to grow to 10,000 members. That would allow us to hire additional people and expand our materials and services quite a bit. And THAT would help even more – many more – people beat the debt collectors. I like to say that the debt collectors run a “factory” type enterprise, where they get their judgments and are content to let a few people slip through the cracks. If we could get a lot more people to defend themselves, and to do it right and energetically, we could make it impossible for the debt collectors to use a factory approach at all.

And given the current state of affairs, that would probably shut them down completely. Think about it – instead of bringing 100 cases at a time and spending (as one debt collector admitted in a case I was involved in) 18 minutes to gather information, file a case, and pursue it ALL the way to judgment, they’d have to handle it like real cases. The lawyers would have to check the facts before they filed, gather evidence, and do the things most lawyers do – it’s hard work! And most debt companies just wouldn’t do it. They couldn’t.

Special Offer for the Next 1,000 Members

To increase our membership of gold members a little faster, we’re going to do something we’ve never done before. We’re going to reduce the initiation fee by over 50%, to $50. And we’re going to make our motions packs and other “situation packs” (like the PA Silver Bullet and CA Bill of Particulars packs) free to members. Thus, after becoming a member, you will not need to pay anything other than the monthly dues to stay fully on top of debt law and your lawsuit.

How You Purchase

You buy by clicking on “Register” under “About Memberships” in the main menu and choosing the level of membership you want.

Platinum Memberships

Platinum Memberships combine all three of the Gold Memberships into one package.

As we often say, debt problems generally travel in crowds – that is, if one debt collector is suing you, others are probably harassing and getting ready to sue you – and still others are messing up your credit report. It’s tempting to try to focus on just one of these things at a time, and that can work. But a more effective way of dealing with debt problems is to take them all on at the same time. So even while you’re beating the debt collector that’s suing you, you’re negotiating with another one to keep it from suing you.

And you’re beginning the process of repairing your credit from ALL of them.

If that makes sense to you, then you should consider our Platinum Membership.

Benefits of Platinum Membership

With our Platinum Membership you get three manuals: the Debt Litigation Manual, the Debt Negotiation and Settlement Manual, and the Credit Repair and Restoration Manual.

You also get access to our complete document banks, so that you can reduce the amount of repetitive paperwork you have to do in taking care of all these problems, and you get access to all our member-only articles and videos on all topics.

And you can be part of all of our teleconferences. Right now, that’s just two per week, but as our membership base grows in credit repair and debt negotiation, we will add two teleconferences for each of these areas as well. And as the membership grows, there will be more of ALL of them, because our commitment is to answer the questions our members need answering. But platinum members will have more opportunities, and a somewhat easier time scheduling their teleconferences.

Special Tactics

When you take on debt negotiation, debt litigation and credit repair at the same time, you discover that some of the tools work for more than one thing. For example, if a debt collector is bugging you AND has damaged your credit, you can dispute the collector’s action both through the Credit Reporting Act and the Fair Debt Collection Practices Act. These two acts have different purposes (as laws) and requirements. Verification under the two acts is different, and verification under the Credit Reporting Act is more difficult and rigorous for the debt collector – and the CRA also gives you a way to attack the original creditor as well if it is reporting you.

And you can, of course, you can use any and all the information you get through either the FDCPA and CRA (also called the FCRA, for “Fair Credit Reporting Act”) in litigation if they sue you. And you can use any information you get in a lawsuit they – or you – file, in attacking their responses under the FDCPA or FCRA. In other words, knowing all three sets of rules can sometimes be very, very helpful. Our Platinum Membership opens some of those ways up to you.

Other Benefits

As with each of the Gold Memberships, you will receive special reports and offers. As a Platinum Member, though, you get them all. This includes:

  • The Three Weaknesses Almost All Debt Collectors Have
  • Take Control of Your Life and Debt; and
  • a discount off the prepaid legal program we offer our members.

10,000 Member Drive

As I point out in our materials on Gold Membership, a key strategy in our debt litigation program is to recognize that debt collectors take a “factory” approach. They file huge numbers of cases and work very little on them because most people either default immediately or give up quickly. So they file a hundred cases, work on none of them, get judgments on 98 percent of the cases they get served, and let a few people get away. Our program helps you be among those who get away “through the cracks.”

But what if everybody defended and fought back?

If that happened, the debt collectors would have to change completely, and until they did, pretty much EVERYBODY would get away from them. Our 10,000 member drive is about making that happen. If everybody fought back, it would shut down the debt collectors and push the judges to stop being mere cogs in the debt collection industry’s machine. With that many people fighting back, learning, watching the courts, and pushing back, it would change the nature of the debt industry completely. I think that would be a good thing.

And so I have begun a 10,000 member drive.

The Next 1,000 Members

As part of our 10,000 member drive, I am offering special discounts to help people join for less. For the next 1,000 members to join, we have slashed our Platinum membership initiation fee to $75. It’s normally $200.

And you will also receive free access to our special situation packs – the motions packs, the PA Silver Bullet Pack (only applies to Pennsylvania residents) and the California Bill of Particulars Pack (only applies to CA residents).

Our goal is to make it possible for you to pay one monthly membership without paying anything else for all the good work you’re doing to repair your financial condition.

Compare

If you’ve priced any of these services before, you know that it would likely cost you $1,500 – $2,500 to hire a lawyer just to start defending you from a debt lawsuit; it would cost you $50 or more per month to hire someone to help you with your credit report; and it would cost an arm and a leg to get help with debt negotiation and settlement – the numbers are just crazy. So our membership is a small fraction of what you would pay elsewhere. And you get a lot more with us.

The bottom line is that we want you with us, and we want you to win. We’ll do what it takes to give you the best chance possible to do that.

And join us

You can do that by going back to the membership registration page and registering now.

How You Purchase

You buy by clicking on “Register” under “About Memberships” in the main menu and choosing the level of membership you want.

 

Follow-up 7A to People being Sued for Debt

I often say that the trick to beating the debt collectors is “defending intelligently.” You have to know a few things and do a few things right. If you do, you’ll probably win.

So what, exactly, do I mean by defending intelligently? What do you have to do?

It’s simple. You have to find out what they have in the way of evidence and weigh their chances of proving their case. If it’s the rare situation where they have what they need, then you will probably want to think about settling the case – you’ll be able to do it for much less if you’ve done some work defending it. But most of the time you’ll find weaknesses in their case. Then your job is to push the case to some sort of resolution where they either drop the case or you win.

It is simple, and taken in small enough steps, it isn’t all that hard, either.

Remember, this isn’t much like most legal work, where the lawyers tend to be quite smart and to work very hard on every case. This really is more like factory work. They’ll get their 99, and if you fall through the cracks? It isn’t usually worth it to chase you. That’s the way debt law works.  Most debt buyers, and a lot of original creditors, too, don’t have what they need to win if you fight, and frankly they don’t care. They get their 99. Your job is to be the one that slips through the cracks.

Now, do you need us for all of that?

Yes and no. Of course you could probably figure things out… if you had time, but time can be scarce when you’re being sued, and there’s a lot to know. We give it to you in manageable bites.

And speaking of manageable bites, let’s go ahead and talk about memberships with Your Legal Leg Up and you probably want one if you’re thinking about defending yourself from the debt collector.

First, why not get a lawyer?

You know the answer to this: money. Lawyers are expensive, and debt defense lawyers often charge almost as much as the debt collectors want to get from you. It’s a business, right? But for most people, getting a lawyer is out of their price range.

And there’s another problem: getting a GOOD debt defense lawyer. Our members tell us that most of the lawyers they talk to seem more interested in settling the case than defending it. They want you to pay – a lot – to get this done.  I’m not saying this kind of lawyer won’t do you any good at all, but chances are you can do much, much better for yourself.

Your Legal Leg Up

You probably know us from our videos – we’ve done quite a few, and while I must admit that the sound quality hasn’t always been the best, our ideas HAVE been, and they’ve saved a lot of people a lot of money. They can do that for you, too. If you’ve looked at the comments on our videos at Youtube, you know a lot of people have found our materials helpful.

If you’ve seen our videos, you know we know what we’re talking about, based on a lot of years of experience, both back when I was a lawyer in court, and since then in helping people with their cases through Your Legal Leg Up. I don’t think it’s an exaggeration to say I’m one of the foremost authorities on debt law in America. And more than that, on helping pro se litigants win their cases.

We have a record of success – and our success comes only when our members succeed in beating the debt collectors.

Memberships

We have three levels of membership that cover three areas of the law. We have a Gold Level Membership in Debt Defense, in Credit Repair, and Debt Negotiation. Our Platinum Membership combines the Gold Memberships and gives you all three for the price of one. And  our Diamond Memberships give you even more.

If you join us at our Gold Litigation Member level, you will four main things:

  • Litigation Manual
  • Document Bank
  • Teleconferences
  • Three Weaknesses Report

They work together to orient you to debt litigation, help you figure out what you need to do, understand what they’re doing, and know the main points of attack you should consider. Through it all, you’ll learn enough to apply your own judgment and knowledge to the situation as it develops so you can be ready to handle anything that comes up.

Litigation Manual

This was our original product. It explains the litigation process from start to finish, talks about the people and companies involved, and tells you what they want. It also tells you what to expect, what things will be called, what to expect in court… pretty much everything you need explained in about 250 pages. When you finish the Litigation Manual, you’ll understand what’s going on.

Document Bank

But we’ve figured out that there’s a difference between knowing what’s going on and what to do and actually doing it. There’s a lot of repetition in litigation, and most people involved in lawsuits are going to face some similar issues. What if we could give you a little help there?

We can’t give you ready-made forms because you might just use those without making sure they’re right for your case. And the fact is, people’s cases are different enough from each other so that we couldn’t tell you what to do if we wanted to. But our document bank does the next best thing: it’s got samples and examples of things that have worked. You’ll find questions to ask, things to say, ways to object, and many more things that could help you along the way. You’ll still have to use your judgment, but this will save you many hours of trying to figure out what to say and how to say it.

Teleconferences

No matter how well prepared you are, how much you study and learn, there are still going to be things you don’t understand. They come up because the other side is trying to trick you, wear you out, or in some other way make you give up – that’s the way they make their money. To counter this, we have our teleconferences.

Teleconferences are live conversations that happen at least twice a week for gold members. It’s a chance for you to ask questions about what something means, what the other side is doing, or what you might want to do next. They’re strategy and coaching and teaching sessions all put together. If you’ve watched my videos and had questions, this is how you get to ask them. They last anywhere from fifteen minutes to an hour and a half – I never like to leave a question unanswered.

And there’s another thing about the teleconferences. You’ll hear other people in the same boat talking about what’s happening to them, what they’re doing, and what the bad guys are doing.  Everybody knows that millions and millions of people are being sued by the debt collectors, but when it comes to YOU being sued you feel all alone. This reminds you that you aren’t, that there are lots of other people in the same boat. And their ideas can be your ideas. What they do that works might work for you.  As the saying goes, advice, answers, consultation, worth about $100 per hour. Knowing that other people are facing the same thing… priceless.

Three Weaknesses Report

In addition to the materials we’ve developed to help teach you about the debt collection process in general and to develop your judgment when new things come up, we’ve discovered certain things that are common to almost all debt collectors, and even many original creditors. Because this is something that can help so many people, we’ve put together a report called “The Three Weaknesses almost Every Debt Collector Has, and How you Can Use them to Blow their Case out of the Water.”

A long title for an exceptionally useful report.

I tell people that I almost always try to write in plain English and avoid “lawyer-talk” or other stuff that’s hard to understand. But the Three Weaknesses Report is a little tougher than a lot of stuff I write because it applies close legal reasoning and analysis to a situation that is probably a lot like yours. I don’t usually cite case law or speak of the law in specific jurisdictions. In the Three Weaknesses Report I do, though. You’re still going to have to decide what part of it applies to your situation, but for those parts that do, this will go a long way towards winning the case for you.

Follow-up 6A to People being Sued for Debt

Yesterday I ended with a promise to talk about something that worries a lot of people. It seems to worry them even more than the possibility of losing, actually. What is that?

The fear of standing up in court and talking.

You would be amazed at how many of our members start out by saying they’d be happy to do anything but go into court and face the other side.

That’s very understandable. You figure the lawyer on the other side knows more than you do, can say things that embarrass you, and that you won’t say what needs to be said when the time comes.

It doesn’t happen like that, though. The process is much more gradual. Generally, you’ll start by answering the petition. That’s really easy – you just write down your response to each paragraph of the petition against you. In fact, it usually looks something like this:

  1. Admit my name is John Smith.
  2. Deny ever owing money to Debt Collector.
  3. Deny failing to pay any money owed to Debt Collector.

 

Wherefore, defendant requests this Court dismiss the petition with prejudice.

That will take you ten minutes to write – you don’t even have to type it in most courts. But to get to this point, you will have read some of our materials about debt collectors and the collection process. You’ll learn a little about what they’re suing you for and what law they’re trying to use.

You’ll start the learning process, in other words.

Then you’ll create some “discovery,” which is questions you ask them to answer. Not just any questions, though – questions designed to get the most information that matters from them. It’s kind of an art, but we have materials you can use as a guide, and you can find out much, much more at the teleconferences. By the time you have written the discovery, you will know much more about your case – and it will still be easy. This isn’t rocket science.

But it is a learning process. And as you work your way through the discovery and talk to us at teleconferences about it you’re actually learning a very important skill: HOW to talk about this stuff. After a few teleconferences, if you’re like most of our members, you’ve gotten used to the idea, and in reality you could talk about this stuff with anybody.

Fortunately (or un, as the case may be), the debt collectors do not seem to be able to respond to discovery without trying to stonewall you. That’s actually lucky, because you’re going to see – it will be very obvious – how dumb many of their objections are, how repetitive, and just how made-up they are. And then you’re going to call them and negotiate with their lawyer to send you the stuff. Now you’re doing two very important things: you’re making them spend expensive lawyer-time talking to you, and you’re learning how to talk about this stuff with someone who isn’t cooperative. It isn’t hard at all, as you will see – and you’re also learning the materials better as well as developing your case.

In many cases, that’s as far as it goes. They drop the case. But if they don’t, you will continue with the process, eventually talking to the judge.

And you’re going to find out that the judge may not know the law on this stuff as well as you do by now. You’ll have an agenda, you’ll have things to say, and the fact that it’s a judge no longer scares you. If it goes to trial, it will feel like almost any other argument you’ve ever had where you felt right.

And that’s really the way it’s probably going to go for you.

Sometimes the lawyer is smarter than you, often times not, but it doesn’t matter. The lawyer is just doing a job, and by this time so are you – it’s just that you will be much better prepared than the lawyer, and you’ll have what you need, while he probably won’t. The judge will be a little patronizing at first, but she will see what you’re doing soon enough.

No member has ever told me that he or she felt unprepared for court, and almost all of them have reported feeling quite comfortable. Most, it seems, have been congratulated on a job well done by the judge afterwards.

This is not an exaggeration – it really is this way. “But why?” You may wonder.

Remember that I said 97 percent of these cases either default or give up. That means neither the lawyer nor the judge expects much from you. It can take a while for it to sink in that something different is happening, but they will actually appreciate what you’re doing. Even the lawyer for the other side will, although he probably won’t tell you so. It’s refreshing and nice to see someone stand up for herself, and interesting when that person knows what she’s doing. Plus, and this is also quite important: the law is on your side. They really don’t have what they need to win. That means YOU should win.

The debt collector lawyer isn’t going to hate you for beating him, not that it would matter – it’s just a day’s work for him. I could tell you funny things about judges, too, but for now just take my word for it – most of them are all right, and they’ll be all right with you defending yourself.

The experience is so amazingly different than what most people come into the program expecting that it changes the way you look at lawyers and the law forever. Or so many members have told me. Of course they’re trying to get your money, and it’s serious stuff in one way. You have to do your work. But if you do – and we’ll do our best to make sure you do – you’ll probably be glad you went through it all.

And winning is oh so sweet. You can say good bye to a debt that’s probably been worrying you for quite some time. And by winning you’re more than halfway to getting the thing removed from your credit report.

Follow-up 5A to People being Sued

Yesterday I ended with something that may have surprised you – or you may possibly even have thought it was wrong to do, somehow. That is, I was talking about how the expense of your defense might eventually make the debt collector go away all by itself.

And that is true. But is it wrong to use the cost of litigation as a tool against the debt collector?

I could almost laugh at that, but in a way it’s a serious question.

It is, in fact, considered unethical in law to use the cost of litigation as a tool – if you aren’t doing legitimate things. That is, you aren’t supposed to drive up the costs needlessly. Now why did I almost laugh at that? Because the debt collectors do that CONSTANTLY.  You will see that when you ask “discovery” questions, no matter how reasonable, they will object with a bunch of the lamest stuff imaginable. It’s called “stone-walling,” and you should expect it – it’s standard in the debt collector’s playbook.

But you won’t be stone-walling. You will be legitimately probing their case for weaknesses, and chances are extremely good that you will find some, too. So at the same time you’re making the suit unprofitable for them you are also making it much more likely that you win it outright.

And it is likely that you win if it goes so far.

It goes back to the “factory” approach the debt collectors take. I’d be shocked to hear that the lawyer on the other side of your case has spent twenty seconds looking at anything in your case before going to court. Why should he? Ninety-seven out of a hundred cases never get litigated because the defendants give up. It doesn’t make sense to “waste” time on a case like that, and they almost never do. And because of the way the debt selling industry works, in order for them to get what they need, it would really take more time than they’ve got. Upshot? They rarely have what they need, and they’re rarely willing to get it if you push them for it.

Again, they aren’t worried about losing. They’re worried about spending time.

If you keep pushing, you’ll almost always win.

Almost Always??

Hmmm. So do you notice I keep saying things like “rarely” and “almost always” or “almost never?”

One YouTube commenter accused me of “waffling” – he liked the people who make guarantees better and figures I don’t know enough if I can’t make guarantees, too.

But that is actually ridiculous. The law is a process – usually pretty rigorous, and usually actually “honest” if not truly fair.  It’s a contest played by many, many participants. Some (on both sides) play harder than others, and judges do not always pay close attention or do the right thing. I’m not going to pretend otherwise.

What I can say for sure is that if you do, and keep doing, the right things, you will make suing you a money-losing proposition.  This makes it much less likely that they will keep doing it.

I can say for sure that a large majority of debt buyers – very nearly all of them, in fact – start the lawsuit against you without having what they would need to win in their possession. And they either cannot, or will not, do what it takes to get it. Could they, in theory? Yes they could. But I am not aware of a single time a debt buyer did what it took to deserve to win. Sometimes they do win if the judge isn’t paying attention or the deck is stacked (as it is in Massachusetts small claims courts), but this is rare if you fight, and it’s much rarer for them to win legitimately.

I will have guarantees about our products, of course, but you should know that if the debt collector is willing to do what it takes to win, and if the stuff is there, then it probably should win, and it probably will. That almost never happens, so you should probably win and probably will win, but there’s always a chance of some fluke happening. We can’t guarantee that you will win.

It’s important that you know about that chance, as small as it is, because it will encourage you to do things that protect you against that possibility. We do have some suggestions for that, too.

But that’s all talking about something with such a small chance of happening that I wonder sometimes whether I shouldn’t just say it won’t.

Remember, the debt collectors are only interested in making money – they don’t care about you or your suit at all (except as a way to make money). We can help you make sure they lose money by suing you. And we can make sure that if they don’t have what they need, which they almost never do, you can find out and know what to do about that. We can make sure you deserve to win, in other words.

Tomorrow we’ll talk about one more thing that makes people nervous, and then we’ll move on to tell you how we can help and what we offer.

Stay hopeful,

Ken

Follow-up 4A to People being Sued for Debt

Yesterday I told you something that might have struck you as odd. I said that being sued by the debt collector could be the fastest way to get rid of the debt, and that it was ironic that so many people gave up.

Now, let’s keep something straight. I’m not saying that being sued is a good thing, that it doesn’t have some risks or that it doesn’t “waste” a lot of time. Law suits are scary and risky, and you’re much better off if they never happen in most ways.

But even though that is all true, it is also true that if you fight intelligently you have an extremely good chance of winning against a debt buyer. And winning such a lawsuit is the fastest way by far of getting the debt out of your life completely. Not just the debt itself, but much of the damage to your credit.

How can this be so?

Consider what happens when debt collectors bug you. Somebody very low on the totem pole calls you up and demands money. If you’ve ever tried to negotiate, seriously, with these people, then you know they simply don’t have any authority to do anything for you. It costs the company ten bucks an hour to talk to you, so there’s little incentive to move things along – other than by getting you to pay, right?

If you persist, you’ll slowly move up the totem pole, but you’ll never get to anyone who’s being paid much. And that means that they rarely have incentive to move things along. They know there’s a good chance you’ll get tired before they do.

It is possible you’ll get someone who will agree that the best thing to do would be to accept a low payment, and this usually happens, if at all, when you convince them that you really don’t have anything to collect. Try getting them to clear your credit record then.

I’m not saying it cannot possibly be done. Just that it rarely is. You have to convince them that you can’t afford to pay, and then you have to try to get them to help you fix your credit. Why would they do that?

It works differently when you’re being sued.

At first, you’ll have a hard time reaching the lawyer – they have layers designed to prevent that because lawyers get paid a lot. But as you work your way through the case, the lawyer finds that he HAS to get involved. So now, instead of talking to a ten buck an hour employee, you’re talking to someone who really wants to be paid at least $150.

And as you work your way through the case, you’re requiring this $150/hour guy to put more and more time into the case. He’s paid to think, and he’s going to think you’re a wrench in his machine – his money-making machine.

And that’s just what you will be.

Here’s the thing to remember. Debt lawyers never worry about losing a case. They don’t think you can make them lose, and it doesn’t cost them anything to lose either. All they want is as much money as they can get, and so what they worry about is having to spend time and money on your case. It makes sense.

Look at it this way – if you could file 99 lawsuits and get $500,000 of judgments in a few hours, what would you do if the 100th suit looked like it was going to take ten hours? Or twenty? Mostly, you’d look for a way to drop that 100th suit and look for another 99 like the first bunch, wouldn’t you? Well, there are complications, but that’s really what most debt lawyers do.

That can’t make it too easy – or most of them think they can’t. Now, there are some debt collectors who go away if you require verification the first time they contact you, but a lot don’t. And there are some debt collectors who drop a suit if you file an answer or serve discovery on them, or whatever.  But you never really know (ahead of time) where their line is going to be. Is an answer enough? Discovery? Filing a motion? Beating a motion (that they file)?

You never know.

What you can know is that if you keep doing the right things, the cost of the suit to the debt collector keeps going up. Eventually, the chances are they’ll drop it.

But I’ll tell you something important about that tomorrow.

Regards and stay hopeful,

Ken

Follow-up 3A to People being Sued for Debt

Yesterday we were talking about the factory approach so typical of most debt collectors. We talked about how a few lawyers could gather hundreds of thousands of dollars’ worth of judgments in an hour or two. And we said that what made that work was that people give up and let them have those judgments one way or another.

Why do people being sued do that?

I’ve talked to a lot of people in this situation and know very well the mix of guilt and helplessness most people being sued feel. But it goes much deeper, as the debt collectors know very well. It starts when the debts start slipping out of control.

Let’s say you had a credit line that was perfectly appropriate, but then something happened to make it harder to keep up. At first you do keep up, then you start making minimum payments, and that is NOT keeping up – you’re losing ground, and you know it. It gets harder to pay close attention to the bill because every time you do you get reminded that you aren’t keeping up.  And of course there is a ridiculous amount of interest to pay.

If you miss a payment, it gets much, much worse. Suddenly you have late-payment penalties on top of horrible interest. It’s all you can do to look at the bottom line, decide what, if anything, you can pay, and put it away for another month.

If that happens a few times you stop looking at the bill at all and just shove it into a drawer for “later.” Or you just throw it away. I mean, you can’t do anything about it, so why rub your nose in it, right?

Something like this happens an amazing amount of the time, and before long you have no idea how much you really owe, or how much you borrowed. You may keep a general running tab in your mind of the total, but who could say how much was interest, penalties, or principle? That stops mattering because there’s nothing you can do about it anyway.

Then the debt collectors start calling. They don’t want to talk about how the debt piled up, and they don’t want to argue about fees. They want to know how much you can pay and by when.

Before long, all you know is that you owe some money, probably a lot, and if they sell the debt to someone else, you may just figure you probably owe it to the person calling you.

When that happens and then you get sued, a lot of people just think it’s easier to “go with the flow.” They know they owe some money and figure it’s to the person suing them. They figure the company suing them has what it needs to win and knows what it’s doing. So they give up one way or another – this is the day they’ve been expecting for a long time.

It’s ironic, because in reality this could be the easiest way to eliminate the debt altogether.

Tomorrow I’ll tell you why.