New Trick for Debt Collectors: File Motion for Summary Judgment before you Complete Discovery
Debt Collectors have a new tactic.
It isn’t strictly new – they’ve been known to do it before, and it’s common enough in other kinds of litigation, but it’s happening much more often now in the “Covid era.” Or is it the “post-covid era?” In any event, the courts are back up and running, in a way, but nobody is excited to have in-person trials. So the debt collectors have found a safer way to get what they way – one that uses all their favorite ways to take advantage: stonewall discovery and file a motion for summary judgment before you can get what you need to defend. Let the courts take the shortcut if they will – and they often do.
I’m talking about motions for summary judgment, but with a twist. The new plan is to file the motion early – before you have a chance to conduct or complete discovery. With a little luck they’ll scare you into giving up, but even if you don’t you have a tough job in courts which all too often are not equipped to listen to complicated legal arguments about complex issues.
What they’re doing is serving the lawsuit, waiting just a bit, and then filing the motion for summary judgment. If you’ve dragged your feet on starting discovery – or even on pushing it towards a motion to compel – you’re presented an extremely difficult challenge: how to get discovery you need to defend
yourself is a small amount of time. And how to handle both a motion to compel and respond
to a motion for summary judgment at the same time.
And you normally won’t have nearly enough time to do it unless you can counter the tactic.
The most important thing you can do is, as always, to start serving discovery on the other side immediately. You may be able to avoid this trap altogether if you can jump right onto it. A few days could make the difference.
If you’re already there, though, that’s too late, and even if you did discovery early and hard, they may have pulled this trick anyway, so what do you do?
The short answer is that you should probably file a “motion to stay” their motion for summary judgment while you conduct the discovery you need. You aren’t asking the court to delay its decision: you’re asking it to put the entire motion on hold until you’ve had a fair amount of time to do what you need. The complication is that, since they’ll be claiming all the facts are uncontested, you have to show how your discovery would help establish factual issues that would prevent the court from reaching a judgment. In legalese, you have to show the court how answers to your discovery might show the existence of “genuine issues of material fact.”
And to do that you must painstakingly link the possible answers to what you’re asking for in discovery to the claims they make.
It’s much easier to describe than to do, believe me, and of course the debt collectors know that. It isn’t easy at all for you to figure out how it works, file your motions, make the arguments you need to make and persuade the court to do something that all too many judges don’t want to do: take your case seriously.
The debt collectors rely on you, or the court, to get careless – and you know that often happens. The debt collectors do it to people representing themselves, and the judges sometimes turn a blind eye to real issues of fairness.
It requires careful work for you to figure out, and it takes even more work to make the judge see it your way, all under time pressure.
It’s a lot to ask, and frankly it can be overwhelming.
We have a new product that can help you with this issue if you’re facing it. It’s a workbook that addresses the necessary topics one by one in the order and way you will need to do it. It will show you how to analyze the motion for summary judgment, compare it to your discovery requests, and show how the answers might affect the outcome of the motion for summary judgment. It shows you how to do your motion to compel – and how to do the motion to stay the summary judgment.
Under the best of circumstances, it still won’t be easy, but the workbook should help you get a grip on the issues and process and give you the chance you need.
The workbook comes free with our 20-20 memberships, and that’s the only way you can get it for now because it’s still a work in progress.
And because I want to emphasize that the membership all but a very few people should be getting is the 20-20.
What if You’re Not in this Situation?
The product we’re discussing is intended for a specific situation, where you have discovery outstanding and they file a motion for summary judgment. But if you’re not in the situation I discuss here, our materials can help you avoid it by streamlining your discovery process. In fact we can help you from the beginning to the end of your case
If you’re being sued for debt you have enough problems. Dealing with slick collector tactics shouldn’t be one – but it is.
We can help. Our 20-20 memberships should help you all the way. If you are already a member other than 20-20, contact me for information on a discount code that will enable you to convert your membership. You should have the 20-20 – it’s our best deal by far for most people.
To Get the 20-20 Membership and Our Workbooks
Click here for general information on the 20-20.
If you want the short summary of the program, though, it’s just this: with the 20-20 you get everything we offer (excluding physical products) – all the reports, packages and teleconferences we have, for free with the membership for a year. The 20-20+ will include some bonuses and includes everything the 20-20 includes for 18 months. The idea is to get you through your lawsuit without a second charge.
To get the membership, you click on the top menu “about Memberships” and select your membership option.