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Sample Debt Dispute Letter
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Get Hopping – Defend Yourself when Sued for Debt
Why people don’t do the things they need to do. Procrastination is murder in debt defense, where you often have only a few days to respond to a suit. And over the longer haul, debt is a problem that tends to get worse. Why don’t people do whatever is necessary to protect themselves? Maybe you just need a little extra motivation.
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Doing Things Right When Sued or Threatened with Debt Suit
When it comes to talking with debt collectors, Silence is Usually Golden.
The biggest risk you face when dealing with debt collectors – especially when sued for debt – is that you will do or say something wrong. Be careful when talking to debt collectors, and know that anything you say could come back to haunt.
But if you have something it is in your interest to say, then say it – and hang up afterwards.
The Nature of the Debt Collection Beast
Debt collectors and their lawyers are not, of course, all the same, but the process of litigation, and the relationship between debt buyers and the people they’re chasing for money are pretty similar. It will help you to know the nature of the beast that is debt law.
Debt Collectors and Debt Law – The Nature of the Beast
What you’re facing when you take on the debt collectors
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This video was originally part of a tutorial on what people facing debt trouble should do.
Debt Litigation – Early Stages of Suit
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Time line of Debt Trouble
Like most things, trouble can be analyzed as a series of discrete steps you can consider. And you can fix them one thing at a time, too.
Timeline of Trouble
| Life before Trouble | (this may be mythical) |
| Distant Rumbles | Something is not right – you know you aren’t doing something you should, either to prepare, protect, or conserve. |
| Closer Rumbles | Rumors of Doom – bills mounting, spouse complaining, you complaining, boss warning. |
| Dark Clouds in Sky | Collection letters and calls, serious conflict with important people |
| Debt Collection | |
| Litigation | Has its own process (See Litigation Timeline) |
| Clean-up and Move on | Win or Lose, life goes on. The quality of your life depends on handling this well. |
This time-line probably doesn’t tell you anything you don’t already know. Our point here is to “build system” to help you approach things systematically. It’s easier to take things one step at a time and in order than to take everything on at random. So much of what makes debt troubles so hard is that they are overwhelming and dispiriting. If you break them into simple steps and allow yourself the patience to do them one at a time trusting the results to add up over time, you can handle the problems.
We also suggest that you think “strategically,” which means keeping your end-results in mind from the very beginning.
Strategic Thinking
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Be Aggressive – Sue the Debt Collector
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