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.
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.
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).
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.
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.
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.