Debt collection isn’t always a “pretty” business, and if you owe money – or if a company thinks you owe it money – they can get pretty rough. The law is practical, in general, and recognizes the importance of businesses getting paid. But there are limits. You have rights against rogue debt collectors. Most of […]
About Ken Gibert
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Can your wages be garnished by a debt collector? What about bank accounts? Here are some things you need to know about garnishment. If you have assets, and this includes either a job or money in the bank, you must be concerned about the possibility of being garnished if a debt collector (or anybody else) […]
What if you think you really owe the money? Should you defend yourself? Here’s why you must defend yourself. If you don’t you run the risk of having to pay twice. And if you do defend yourself, you probably won’t have to pay. If that bothers you, give the money to somebody who really needs […]
Although hiring a lawyer might be the “gold standard” of defense, lawyers are always expensive. If you’re being sued by a debt collector and can’t afford a lawyer, all is not lost. You CAN represent yourself. This is not complicated law, debt collectors are not innovative or particularly energetic, and the debt collection system is […]
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What is a default judgment and what should you do if a debt collector gets one against you? This video begins to answer those questions. When a debt collector brings a suit, and a process server hands it to you or a “responsible” member of your household, you have been served and must take actions […]
What do you do if you’re sued for debt? Hiring a lawyer sometimes costs more than just giving up, but how can you know the person suing you has a right to do it? And if they don’t, you might have to pay twice. This video discusses your options and shows you how you can […]
How hard is it to defend yourself from the debt collectors? The difficulty is mostly psychological. It can be scary at first, but if you do the things that need to be done one at a time, it isn’t that hard. And you have a great chance to win. It isn’t that difficult to […]
If you’re a pro se debt defendant or thinking about doing that, welcome to our site. If you are already representing yourself in a debt lawsuit – or if you think you might want to – you will find the help you need here. In addition, you will find hope and encouragement to take the […]