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 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.

Follow-up 2A to People Being Sued

Yesterday I was telling you about Frank, Shirley and Kelly, and I could have told you about dozens, possibly hundreds, more. Their stories are typical of people being sued by debt collectors, and they’re typical of the people who choose to stand up and fight.

You may have noticed I didn’t say anything about whether Frank, Shirley or Kelly actually owed any money.

Actually, they probably did. There was some question in my mind about Kelly’s suits, and in all of them there was certainly a question about how much was owed, or to whom. But did they owe the money to someone? I’m almost sure they did. That is the situation faced by a majority of people being sued by debt collectors, and it doesn’t matter.

Law suits are a question of evidence, as I will discuss a little later – the debt collectors have to prove you owe the money if you fight, and they usually can’t.

On the other side of that, I know of plenty of people who have told me they didn’t owe anybody any money, but they didn’t fight. In those cases, the debt collectors got their judgments. A lawsuit is a contest. It isn’t about what is true – it’s about what you can prove (or not). Beating the debt collector is first about answering and then making them prove their case. It takes more than that, though, because they do have tricks up their sleeves.

So let’s talk briefly today about the debt industry and their tricks. We’ll follow up on this tomorrow with how it plays out in court – and what you can do about it.

The Debt Industry

American debt – and particularly consumer debt – has run completely rampant over the past twenty years. Americans now owe over a trillion dollars in consumer debt (mostly credit card debt), and much of that is “stressed.” Auto loans are another trillion, much of it “stressed.” That is, the people owing are walking on a tight line, and if anything happens, they could get knocked off it. And stuff does happen. You know it does. After a couple of late payments, loans are considered stressed, and it doesn’t take much more for people to stop being able to pay at all.

It’s actually impossible to get definite numbers, but it looks like at least a million lawsuits get filed per year based on consumer debt. It may be far more than that. When I was practicing law almost ten years ago, it was not unusual for over a hundred cases to come up in a single day in a single court room. And on one day there were over 700 cases on the docket. On a single day! In a single court room! In one county – in Missouri, hardly the biggest or most daring state of the Union.

In other words, when we talk about debt collection, we are talking about a truly gigantic machine. And I don’t need to tell you that most of the people getting “processed” by that machine are not Rockefellers. No, they’re normal, regular people, who in many cases were lured into unsustainable debt – and in almost all the cases certainly never wanted not to pay what they owed. But stuff happens.

Debts

Consumer debt is “transferrable.” That means that if you owe me $100, I can sell the right to collect that money to someone else. Don’t fall for the people who say that isn’t true – I’ve seen some of their videos on Youtube, and they’ll get you in trouble. A whole lot of debt gets sold in the U.S.

What happens is that big creditors – and this is mostly the banks that issue credit cards – sell debt that is in default (“bad” debt) to companies that specialize in collecting it. These companies are pretty big, and they end up with a whole lot of “claims” they are trying to collect. That all make sense to you?

And so on those days I mentioned where there are a hundred – or several hundred – lawsuits in court on a single day, there might be only a few debt collectors, and a few lawyers representing them, there at the time.

How can they do all this? Only one way. For the process to work, almost everybody being sued has to give up!

Most of them do it by not showing up at all (defaulting), but plenty of them do it by showing up to sign “whatever” it takes to delay the problem for a while (“give-up settlements”). Not two in a hundred actually fight – and probably not even one.

That means a single lawyer could “process” several hundred thousand dollars’ worth of judgments in an hour or two. Not bad work if you can get it! – If you’re a lawyer who doesn’t mind doing that to people.

If you’ve watched some of my videos, you may have seen me talk about debt law being “factory” law, and that’s what I mean. One lawyer handling a hundred cases in an hour – that’s assembly line work. So what does that mean to you? And how can it be helpful to know?

Factory Work

Whether you are being sued by a debt buyer or original creditor, you are being sued by a company that has a certain, routine way of doing what they do. They follow this routine because (1) they have so many cases; and (2) they need to keep their expenses to a minimum; and (3) it usually doesn’t matter what they have or do because most people will automatically give up once the lawsuit is filed.

In that scenario, spending any money on building their case is a waste of money, and debt collectors don’t like to do that. So they don’t.

Please understand: I’m not saying debt collectors are dumb or lazy. Economics drives their decision to do almost nothing to prepare their cases. And it is these same economics that give us such a good chance of winning. Your key to defending yourself and what you have is to take intelligent action. If you can do that, you can turn the tables on them completely.

Sounds so simple, right? We’ll show you why it’s true tomorrow.

Regards,

Ken

Memberships with our site

Memberships with Your Legal Leg Up

Our membership is a tremendous value and an effective way to level the playing field between you and a debt collector.

After years of providing debt defendants what they need to beat the debt collectors, I have figured out a way to make beating the debt collectors less stressful and time-consuming. If you’d like to save time and stress while improving your chances of victory, keep reading.

How do you “Level the Playing Field” with the Debt Collectors?

As I have often pointed out, the debt collectors rarely have the evidence they need to win a case when they file suit. Instead, they rely on people defaulting or giving up. That’s how they get away with adding illegal fees so often or suing people who never owed any money – or suing for debts they don’t own.

The debt collectors have designed their litigation process to make it more likely that people will give up – they “tilt” the playing field so that fighting them to obtain justice and fair play is always up hill for you. From Petitions alleging the same debt three or four different ways (making it look like you might owe three times as much as they even say you do) to “fake” affidavits of robo-signers swearing to things about which they have no knowledge, to fake account statements and bogus notices – all these things are designed to trick or intimidate people into giving up. Many of these illegal or immoral tactics have been “business as usual” for the debt collectors. They’re notorious for dirty tricks.

And the debt collectors also start with some “institutional” advantages when they sue people for debt – they do this all the time, you know. The debt collectors have associations of other debt collectors and lawyers who provide them the latest information and court decisions nationally, or just contacts to help them strategize how to deal with your case. They have “document banks” – computer files of petitions, motions, discovery, etc. that they know have worked in cases before. These give them a big advantage: they can draft a petition and serve discovery with a few keystrokes by a paralegal, whereas you are left to spend hours responding. They know what works because they know what is happening in the hundreds of thousands of cases like yours that get filed every year.

How do you neutralize the debt collectors’ advantages and level the playing field?

Introducing Your Legal Leg Up Memberships

In order to counteract the advantages of the debt collectors I have created two types of membership with Your Legal Leg Up: Gold and Platinum. These memberships will allow me to provide you more and better service, give you expanded access to helpful materials, and keep you updated on the latest strategies and techniques that people are using to beat the debt collectors. You will have your own “document banks” where you will be able to download documents that have been used successfully by other people in fighting debt collectors so you don’t have to spend ten times as much time as the debt collectors do on simple documents. And you will special access to me and – more importantly – to other people like you who are actually fighting the debt collectors.

Benefits of Membership

As I mentioned above, there are four main features of membership: expanded access to materials, keeping up to date, connecting with others, and creating and building a document bank of documents you can convert to your own use without a ton of trouble.

Expanded Availability of Services

Through the newsletter and members-only homepage, you will receive updates, alerts, and reports and the tried-and-true, easy to understand materials in the ever-expanding “members-only” section of our website. Members will have access not only to the free access videos, but also to our extensive members-only video collection and the Your Legal Leg Up Video Series–now available ONLY to members, previously sold for $149 and available online.

Keeping Current

With the new membership comes a free subscription to Fightdebt!, official newsletter of Your Legal Leg Up. Every month it will give you the latest news in debt litigation as well as special tips on debt litigation, consumer issues, and credit repair. This is another benefit that is available only to members, valued at $49/year. You will also get new videos, reports and alerts as they happen.

Connecting with Others

Although some of the other benefits of membership may be more tangible and obvious, I actually think this benefit is going to be one of the most important benefits of membership. We will start with a members-only blog (which I will mediate), and this will allow more freewheeling contact between members. It is also my goal to connect those who want to be connected to other people who are from the same state. It’s hard to overestimate the advantage that comes with being able to talk to someone else going through the same thing, and working on pleadings and motions (for example) together could even make the process fun. Monthly teleconferences are free for members so callers can benefit from hearing one anothers’ questions and experiences, and a teleconference connections webpage also provides a forum on which participants may share and connect.

Software

Some people do not have a word processing program that will help them create professional documents or cut and paste documents from the document bank. Members will receive a link to a free word processor which will fill that need. Likewise, for ease of viewing, members will be provided a link to a video player that will let them play or download videos from the site.

Sued for Debt Action Steps

Finding out that you’re being sued for debt can be a big shock, and it also puts you at risk for losing the things you have. We have good news for you. You can protect yourself.

Could Anything Actually Make You Glad to Get Sued by Debt Collectors?!

It’s hard to believe that could happen, isn’t it – that you could actually end up glad you got sued by a debt collector? And yet it could true.

If you’re being sued by a debt collector, chances are it’s coming at the end of a long process that started with missed bills, phone calls, letters, messed up credit reports, worry, and missed sleep at night. I don’t need to tell you how awful it is. And the lawsuit itself may seem like a nightmare. After all, if you lose, you could face new problems: garnishment of wages, seizure of bank accounts, and possibly even worse.

And you can forget about your credit report if they get a judgment, right?

So How Could Getting Sued Possibly Be Good News?

The lawsuit could actually be the end of your trouble. Instead of hanging back and destroying your credit or just bugging you to death, which you can’t do much about, they’re suing you. And there’s a lot you can do about that.

That’s because the debt collectors usually start their lawsuit without what they need to win. If you play your cards right, that may give you a chance to erase your debt for good. In the process, you can take control of your life again.

Imagine how you’ll feel when you drive the debt collector away and erase the debt. You can start repairing your credit report and get back to your life. You can answer your phone without worrying about debt collectors

Finally.

Here’s what one user of our materials said about his experience:

Today I received in the mail an offer “Stipulation For Dismissal With Prejudice”,which basically states the Plaintiff will dismiss their Complaint if I dismiss my counterclaim.  All the examples,logic and powerful arguments presented in your materials helped me beyond belief! I am eternally grateful,and right now quite ecstatic!

Thanks Ken,
Frank from Arizona 

And another:

Just a quick email to say THANK YOU for your well written manual! I was scared to death when I got a Summons and Complaint served on me by a debt collection attorne. I did exactly what you said though, and basically let them know I wasn’t going away.… So I filed a Motion to Dismiss, and that was pretty much it. The Attorney folded like a cheap suit, and I have to say it almost felt better than sex!

Thanks again! 
Gary

These people, and many more, could tell you the same thing: you can beat the debt collectors.

And when you do, it will feel even better than you would ever guess. It will change your life. They’ll never push you around again. You’ll never be scared of debt collectors and their lawyers again.

If you know what you’re doing – and that’s what we teach you – you can probably win the case even if the debt collector actually has or can get what it needs. And it usually doesn’t.  Your job is to make them start looking for those records, make them start losing money and worrying about whether they will ever see their money again.

The trick is to fight. They’re not really set up to fight you if you know what you’re doing.

I Don’t Want to Tell You You Can Just Get Away with It (But You Probably Can)

I don’t want to tell you you can rack up debt and get away without paying, because we should all pay our debts. But these are tough times, and sometimes things happen that make it impossible to pay.

And sometimes those things are the fault of the banks – they have just about ruined the economy for all of us, after all. not having to pay them would only be poetic justice. Although poetic justice can wait – if they’re after you, you’re in a fight that you just need to win.

Find Out More

If you’re ready to think about taking on the debt collectors, look through our site and consider joining us. We can help you take control of your life and force the debt collectors to leave you alone.

 

Gotta Go Gold

Introducing Gold Debt Litigation Membership

The solution to the advantages debt collectors have when they bring suit against people who can’t afford lawyers.


Why People Being Sued for Debt “Gotta Go Gold”


If you’re coming from Introducing Memberships, you already know that although most debt collectors begin litigation against consumers without the evidence they need – or even any idea whether that evidence might exist – they file suit and usually win. This is because most people don’t fight back, of course. But even if you do fight back you start with some obstacles that make the whole process more difficult for you than the debt collectors.

The Institutional Advantages of the Debt Collectors are:

  • familiarity with the cases and law
  • the ability to handle them in “bulk;”
  • associations with other lawyers for moral and physical support and information; and
  • document banks of files that can be easily changed to apply to your case.

You have some advantages, too, though. The case means more to you than it does to the debt collector, and so it makes sense for you to work harder than they do. And if you do defend yourself (with a little help), you will likely expose the weaknesses of their case – namely that they lack the evidence (which in many cases does not exist at all) they need to prove their case against you. And even if the evidence can be found, your fighting back will probably make the case too expensive for the debt collectors to want to keep chasing you. Thus they very often will drop the case and walk away from you.

The new memberships are designed to help you neutralize the advantages of the debt collector while exploiting your advantages with less trouble, annoyance, and anxiety.

How Membership Neutralizes the Advantages of the Debt Collectors

The advantage of familiarity is largely a factor of experience and so cannot be directly neutralized, but to offset that lack of experience, the memberships provide greater access to videos, to the staff at YourLegalLegUp, to member forums and, soon, to member associations where members can trade stories about their cases (and the companies suing them – often identical, always similar). The sense of solidarity can break down the sense of isolation that so many of my customers and clients have related to me.

And finally, we now make our document banks available to members so that they can choose from a collection of possible arguments and cut and paste some of the documents they need to prepare. Of course this won’t completely nullify the debt collectors’ time advantage. In the very early stages of the debt litigation the debt collectors will still be handling your case on a “bulk” case basis, but as the case moves to the discovery phase, the time advantage will shift to you because, as I have often pointed out, lawyers are always “on the clock,” and if they have to spend significant time on your case it rapidly becomes unprofitable.

You will still spend more time on your case than they do – because they don’t really care whether they win or not – they know most people will just give up. You have to care, because it’s your money they have in their sights.Debt collection lawyers typically charge at least $200 per hour of time. How long would you work for $200? We’ll help you work smarter, too.

Gold Membership provides the basics of what you need, as already outlined. You get:

  • Access to our constantly expanding library of member-only videos (a $149.00 value);
  • Regular communications from our team regarding new opportunities and developments;
  • Access to the Document Bank – our collection of battle-tested litigation documents (a $200+ value at least, but not available to anybody other than members at any price);
  • Special, membership access to our expert staff at Your Legal Leg Up to answer questions (priceless); and
  •  Free attendance at our weekly telephone conferences where you can ask questions and hear others ask theirs – a great source of ideas and inspiration (also priceless).

You will also gain access to the Gold Member Home Page, where you will find special announcements, links to new member-only videos, and updates of any materials you have purchased – all free during the time of your membership. Plus you get unannounced bonuses.

 

Debt Defense System

The Debt Defense System

The Debt Master Series

Defeat the debt collectors in lawsuits, end debt problems, and repair and restore your credit.


Knowledge Applied is the Power to Defend

You can beat the debt collectors if they sue you. It’s mostly a question of knowing what you need to do and doing that throughout the lawsuit, while at the same time not doing the things you should not do, until you either make them go away or win at trial. It sounds simple, and it is – if you know what you’re doing.  You will with the Debt Defense System.

The Debt Defense System

In this video we talk about the Debt Defense System – who it is good for, what it is, how it works, how to get it, and how to use it.

First of all, should YOU get the Debt Defense System?

You should get the Debt Defense System if you are actually in a debt lawsuit. If you have not answered the petition yet, you will have time to read the materials as long as you have at least a day. Or several hours. So time is not likely to be a problem, and you get a link to a downloadable product (the Manual) almost instantly. So – time not really going to be an issue.

If you are already in the midst of the suit – for example a motion for summary judgment has been filed, or things are just kind of hanging out, then you should also get the Debt Defense System. If you have something specific to do to defend yourself, you will find specific materials in the members-only part of the website, and the Manual will help you understand how they fit into the bigger picture. If you’re hanging out, you shouldn’t be – you’re wasting time, and the materials will help you make better use of your opportunities.

If you were sued but did not answer and got a default judgment against you, you should maybe get the product. Depends on how old the judgment is. You need to know the rules on motions to vacate. Google “motion to vacate,” time and your state’s name and read until you get an idea about whether you will have a legitimate basis to vacate the judgment. If so, you will probably want the Debt Defense System. If you think you’re out of time on a judgment, and it’s a big judgment, you should consider asking a lawyer in your state to take a second look at it. You might not be. Our materials will probably not help you with this question, however. It will be fact-specific.

If you are not being sued, we do not recommend this material. It’s interesting and informative – it’s very cool – but you would be better off just reading articles on the site. There’s lots of free stuff. The Manual and membership are designed to give you tools to win a case, not just information about the law even though they give you plenty of that. You could try Special Issues in Debt Litigation if you have interest in more than just what’s on the site.

If you are being sued and have a lawyer, you may or may not want to get the Debt Defense System. It will certainly help you know what is happening in the case and inform you about strategies and options. I don’t suggest that you use it to question your lawyer and suggest they don’t know what they’re doing. If you decide they don’t, then get another lawyer, one you do trust. We have a report you might find helpful for that. Badmouthing and second-guessing a lawyer you continue to hire is not a good idea.

The Debt Defense System is designed for debt litigation. Specifically, this means a lawsuit brought against you for a debt you supposedly owe which you may, or may not, owe. It will help you against either debt collectors or original creditors, and it doesn’t matter what state you are in – there’s a pattern, at least, that they follow in all the United States.

On the other hand, the materials are not designed to help you with things that are not debt law, even though they may be somewhat related. They will not help you with foreclosure defense, for example, or clearing real estate titles. They aren’t designed to help you sue a merchant which defrauded you, and they won’t help you repair your credit report. It will give you a basic insight into the legal system that you may find helpful, but I’m sure you can find better help if you look for these non-debt law issues. We do have a separate product for credit repair.

The Debt Defense System consists of a Manual, which is designed to give you an overview of the debt litigation process. It gives you a basis for beginning to decide how to defend yourself. It helps you decide whether the summons was properly given to you to start the suit and what to do if it was not. It helps you look at the behavior of the debt collector and consider your options, and it gives you a great deal of information about the rest of the lawsuit too. The Manual would be enough, in most cases, to get you all the way through the lawsuit, so it is a rich source of material. You can look at the product page for more specific things.

We decided that wasn’t enough. As we have explained in the materials about the membership, debt collectors have some big advantages coming into a debt suit. They know the information, so they can file suit and pursue it without any problem at all, they deal with massive numbers of the cases so they can do their actions “in bulk,” which further keeps their costs down. They have computers full of documents they can use to spit out ridiculous objections that take up a huge amount of your time. And they are “connected” to each other. Debt collectors help each other, in other words, and they never, ever worry about whether what they are doing is wrong in any way.

Just using the manual and materials, you could probably beat the debt collector. But you would spend gigantic amounts of time redoing things that have already been done by others. You would worry, and you might make a mistake. Membership is designed to help you streamline things so that you save time and anxiety. We have a document bank which you can use for samples, we have some videos and articles created just for members to use, and most of all, we have the teleconferences.

The teleconferences are your way to connect with others. They’ll help you know more both by giving you a chance to get your specific questions answered and by hearing other people’s questions. That helps tremendously because you don’t always know the right question to ask, you know?

And then, the teleconferences are also a way to talk to other people in the same situation trying to do the same things you’re trying to do. Suddenly you feel smarter, better, happier and more comfortable. Debt collectors often call their prey bad names, and a lot of people being sued for debt feel guilty or wrong. The teleconferences are the best possible antidotes for that, and since your willingness to fight is the main ingredient in your chance to win, you improve your chances a lot by attending the teleconferences.

The way to get the Debt Defense System is easy. You need to get the product called the Debt Defense System and the renewing membership at the same time.  If you get the membership without the System manual, your money will be returned. If you try to get the Debt Defense system without also having the membership in your checkout cart, you will not be allowed to make the purchase. You have to get them both. You will be able to cancel the membership when you need to do that, so you are not locked in for any specific length of time, but if you really understand that the membership is the most valuable part of the package, you won’t do that. You’ll get six hours of teleconference per month, every month – time to ask your questions, hear other people’s questions, and talk to other people in the same boat.

Your Legal Leg Up – The Power to Retake Control of Your Life

Simply put, Our materials tell you what you need to know to take on the debt collectors. We thoroughly explain the debt collection process and tell you who the players are (and what they want) in plain English. We show you how to navigate the court system and laws so you can neutralize the main advantages of the debt collectors and use your own advantages the best way. We show you how to win without spending everything you own on the fight. And we include the forms you will need to look sharp and professional regardless of what court you’re in, and the resources and back-up you will need.

If you fight back the debt collectors soon find out that it isn’t profitable to keep after you. That doesn’t mean they’ll automatically drop the case and walk away as soon you file an Answer, of course – though many do. Rather, they’ll often push back to see if you really will stand up. The more you do, the more likely they are to drop the case or settle it on drastically better terms for you.

Click here to Buy the Debt Defense System

You Will Be Prepared to Fight


          Our Debt Defense System prepares you to fight. The Manual itself is over 200 pages long in plain English. It has chapters on

  • how to answer the petition and make a counterclaim (and why you’d want to); or
  • how to file suit yourself against a debt collector and why that sometimes makes sense;
  • how to conduct discovery, which is where most cases are won or lost;
  • how to make and defend motions, prepare for trial, how to win at trial if it goes that far;
  • and more.

There’s an appendix with the complete text of the Fair Debt Collection Practices Act and another with the Federal Rules of Evidence. There’s a Glossary of Legal Terms so you can understand what the bad guys are saying. And there are innumerable links to articles and videos on related topics. All so that a non-lawyer – busy with life and under stress – can get a fair shake.

There is the Forms Book (included), which has the forms you will need to make your presentation sharp and professional looking in Open Office (a free, Word-compatible program) so you can cut and paste more conveniently. The other side will know you mean business when they see your documents, and that’s most of the fight.

And the whole thing is linked to sites on Youtube, Twitter, Facebook and elsewhere so that you’re getting so much more than just the Manual. Much, much more. If you look at our products, you will find many different products for different stages of the litigation. You will see that we have:

  • Motion to Vacate Default Pack (so if you have defaulted (lost your case by not showing up) you can try to scratch your way back in;
  • Motion to Dismiss Pack – for early stages of litigation to try to win easily and quickly if you can;
  • Motion to Compel Pack – to force the debt collector to cough up the information you need to beat it rather than stonewall you endlessly; and
  • Motion for Summary Judgment Defense Pack – to keep the debt collector from getting a quick and unfair victory over you

          Access to all this information is included in the Debt Defense System. And really… that just scratches the surface. The Debt Defense System is what you need to defend yourself.

Knowledge Applied Is Power


Ken, Just a quick email to say THANK YOU for your well-written manual! I was scared to death when I got a summons and Complaint served on me by a debt collection attorney in Nov. I did exactly what you said, though, and basically let them know I wasn’t going away. The key, I believe, was in the Interrogatories (I used the exact same ones in your manual). The wouldn’t answer them, even after my motion to compel. So I filed a Motion to Dismiss, and that was pretty much it. The attorney folded like a cheap suit, and I have to say it almost felt better than sex!

Thanks again! —Gary

          Knowing what to do means you can be comfortable in court. You can know the basic legal principles that control the cases and the facts of your case and, to the extent possible, of the other side’s case. This kind of knowledge gives you the best chance to win.

          Hi Ken, I just went through mediation…The mediator said he thought I was better prepared than most lawyers. – Frank, Arizona

The Advantages of Self-Representation

Representing yourself is the most cost-effective way to defend yourself from a debt law case.Yes, you’ll have a very good chance to win the case or, if you choose, to settle for far below what the debt collector wanted in the first place. Yes you will save a lot of money. Yes, you need to do this right away. Get the Debt Defense System now.

Click here to Buy the Debt Defense System