Tag Archive for: credit repair

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.


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.

Welcome to Fightdebt

Welcome to Fightdebt (Youtube) and YourLegalLegUp

Welcome to Your Legal Leg Up. Our channel on Youtube is @fightdebt. Please be sure to subscribe.

Welcome to Your Legal Leg Up.

Our goal is to help ordinary people who are facing debt problems now or trying to live down the effects of older debt problems. We want to help you protect what you have and build for tomorrow.

Debt Defense

We got our start in helping people defend against debt lawsuits brought by debt collectors. This is possible because debt collection is really a “factory” operation. The debt collectors find out practically nothing about individual cases before they bring suit, and in litigation they don’t like to spend any more time on them. Instead, they bring dozens, hundreds, or thousands (depending on the collector) of suits that are virtually identical. Because most people – we estimate somewhere between 80 and 95% of people – default or give up without paying any attention to the law suit whatever, the debt collectors really don’t need to do anything to rake in huge amounts of money.

And that’s what they do.

But the problem with that approach for them is that if you are willing and able to fight a little bit, they rapidly find it unprofitable to continue to fight with you. They make their money by collecting debts, not fighting them. We teach you to fight them in a way that increases the debt collector’s costs and improves your chances of winning. It takes some work, but your chances of winning are excellent.

Credit Repair

If you have had debt problems at one point, there’s a good chance your credit report is still suffering. And that means that good things are passing you by. You’re spending more for housing, insurance, and many other things, and there are some things you just can’t get – all because you have bad credit. You can fix that, and we can help. There are laws that help you get your credit report reviewed and straightened out, and there are practical ways to reconstruct your credit history so that you’re better off than you were before your debt problems.

Debt Negotiation

If you have debt collectors after you for a debt you can’t afford to pay, you must wonder whether there’s a way to make them go away without suing you. Of course, any one company can do whatever it pleases, but in general, the debt collectors can be brought to the table. They’ll negotiate, and you can get back on your feet without being sued. And without having to pay what you can’t afford.

Of course there are no free lunches, and anything you do to negotiate will cost you in various ways. We help you minimize those costs so you don’t pay more than you have to for less beneficial results. It’s all about making the best of a bad situation, and part of that means to keep it from getting worse. We can help.


You Will Probably Win if you Fight Debt Collectors

If you are being harassed or sued by the debt collectors, there’s no need to give up. You have an excellent chance to win, and it isn’t that hard to defend yourself.


Defending Yourself against Debt Collectors Isn’t That Hard


Your Legal Leg Up is designed to help ordinary people defend themselves from debt collectors. The problems occur in three main ways. First, before there is litigation, there is usually some sort of harassment – it would be easier and cheaper for the debt collector to scare you into paying if possible. At the same time, it might be possible to get the debt collector settle the issue with you without having to go to court. Thus we help people with debt settlement.

If debt settlement doesn’t work, or if the collector proceeds to a lawsuit without any chance to try to negotiate, you’ll need to defend yourself in litigation. That’s where we got our start, and we have lots of materials that will help you defend yourself. Keep in mind that debt collectors handle everything in bulk. That means they can be very efficient at parts of their lawsuit, but much less so at others. So our materials and approach are designed to exploit that problem. That makes litigation much more expensive and less profitable for the debt collector and maximize your chance of winning, too. That’s why most of our members win their cases.

Even after your lawsuit – or sometimes they don’t even sue – you will probably have damage to your credit report. Thus we help people repair and reconstruct their credit reports. This is a multi-step program that works at eliminating bad information on your credit report while generating new good information.

We have memberships aimed at each of these areas of the debt law. Find the right one for you and let us help you.

Rebuilding your Life after Economic Disaster

Hey there! This content is available to MEMBERS only! Consider registering for an account.

Repairing Credit after Litigation

Hey there! This content is available to MEMBERS only! Consider registering for an account.

Buying Credit Repairs

Hey there! This content is available to MEMBERS only! Consider registering for an account.

Take Control of Your Debt

Take Control of Your Debt

 – Take Control of Your Life

If you have been watching bills pile up or fear answering your phone because of debt collectors, this product will be good for you. It includes information about your right to require “verification” of debt and a sample letter you can simply copy and use on debt collectors that will often make them simply go away.

Also includes an article about your right to force debt collectors to stop talking to you at all (“cease communication letter”) and advice as to what effects this might have on you in the future, along with a sample letter to use to make the debt collectors stop communicating with you.

And it includes an article about finances and planning that will help you get ahead and keep the debt collectors from ever bothering you again.

These materials are designed to help you gain control of your debt, whatever it may be. The first step is to control the way and times the debt collectors contact you – if at all, and to assert your rights to force them to verify the debt. Beyond that, though, you need to take back control over your life by controlling your budget and improving your ability to earn and keep money.

You’ve probably seen (we have) simple debt verification letters selling for fifty or a hundred dollars. With this package you get two sample debt verification letters designed by a professional who has been in the business a long time. In addition, you get a “cease-communication” letter you can use to make the debt collectors stop contacting you altogether, along with information that will help you know how to use the letters with confidence. Plus you get actually meaningful and helpful advice on reining in your debts permanently Click here to see more on this product.

Enjoy some Free Time

41 Things You Can Do for Free

A big part of America’s debt problem is systemic – we live in an economic system that exploits people and takes from the poor to give to the rich. However, that’s at the “macro” level. At the individual level, one part of the problem is that we are taught that the only way to be fulfilled or feel valuable is to consume things. To spend. And many people find it difficult to pass a day without spending a lot of money. They can’t think of things to do, and if they do, it may leave them feeling unfulfilled.

Even if you have it to spend, it can be liberating not to do that. It’s important to break that cycle.

Below is a list of things, almost all of which are almost free. Nothing, in a sense, is actually free, since as long as you’re alive you’re burning calories and needing a place to live, and for many, those things cannot be taken for granted. Likewise, electricity and internet bandwidth are negligible for most people these days, but they’re not completely free. But once those things are covered, most of the things below are actually free – or very nearly so – with the one spectacular exception of Six Flags.

I explain the reason for its inclusion below, and that reasoning would also perhaps apply to many types of memberships. I would caution you against too many things like that, though, because they do imply an expense that can be quite substantial. Six Flags, as I point out, is NOT free even in the scenario I posit. We do like to keep the expense of any one trip to a minimum, however, and that can be basically free.

My list does not include some items many people’s lists do include, things like watching television in your man-cave or window-shopping at Saks Fifth Avenue or the like. That’s because these things are first cousins to expense, and they are indulgences that will likely eventually lead to your feeling the need to buy stuff. They’re a part of our consumption-based culture, and they imply the previous purchase of expensive things, or the envy or admiration of others who have expensive things. My list is designed to take you out of the consumption-oriented world and to a simpler, truly less expensive place.

Free Things

  1. Spend time with your children. They only stay young for a while – heck, YOU only stay young for a while. Enjoy the time you have with the ones most precious to you.
  2. Spend time with other children. See the above. Children have such an amazing gift to give. Did you know that most adults don’t ever really look at children? I mean, as in, seriously paying attention to them. If you do, it’s like shining a bright light into their life – they instantly notice and almost always reward you spectacularly. Look at them in the eyes and hold the look when they notice. Do something funny and see what happens.
  3. We have a free zoo, and it’s hard to beat that for both animal and people-watching.
  4. Walk down train tracks. Don’t you think there’s something really romantic about trains? Maybe it’s the thunder, maybe the rhythm, but for me, watching a moving train is exciting. Walking along the tracks makes me think of all the places I’ve been or could go.
  5. Go to the gym. It’s a nice way to spend a couple of hours, and then you get the endorphin rush and long-term health benefits, too. My gym costs me $150 for two years, so – not free, but pretty inexpensive.
  6. Paint a picture, or draw one. If you try to draw something and get it right, you will notice how much you have to focus in order to do it. It’s pleasing, you forget yourself, and actually – anybody can do it.
  7. Write a story. Kind of like painting a picture. You might think it takes talent to do this, and to some extent you might be right – but maybe you have the talent, and even if you don’t, it can be fun.
  8. Have a campfire. If you’re near a place where you can do that, it’s hard to beat, sometimes.
  9. Go for a long walk. Everybody thinks of this, but you could actually do it.
  10. Create a page on Pinterest and start pinning things you like.
  11. Make a list of things you like that are free. It doesn’t cost anything, and it reminds you of things that make you feel better.
  12. Pet your dog or cat. They love it – as much as you can stand. And that’s why you have them.
  13. Call your mom or dad. Talk to them and tell you how you’re really doing. Ask them how they are.
  14. Write an old-fashioned snail mail letter. Technically not free if you send it, but very, very inexpensive! And people love to get personal mail.
  15. Write an email. Free, but not as special in my opinion. On the other hand, it is instant gratification and is more likely to stimulate a quick response.
  16. Google something freaky and read all about it.
  17. Bring up the latest freaky thing you googled in a conversation and impress your friends.
  18. Start a blog. You can write about the freaky things you google. That would probably gain you a cult following.
  19. Do a Youtube video. It isn’t hard. You can do a video with your phone, edit it on your computer, and upload to a free Youtube site.
  20. Get up really early. Other people like to mention naps, and I considered them and including going to bed early in this list, and those things have their place, but what about getting up early and watching the sunrise? That’s pretty cool. If you get up early enough, you can hear the birds start to sing. Do you know that birds either are dinosaurs or closely related to them? They’ve been around a very, very long time!
  21. Make some art out of stuff you found.
  22. Teach a child to read. There’s nothing in the world like opening up someone else’s world. Or you could teach them other stuff.
  23. Enjoy a cup of tea in silence. Technically not free, but again, very, very inexpensive! And it’s one of the great simple pleasures. There is joy in silence. You DON’T always have to be hooked in.
  24. Organize something that needs organization. For me, there are always a lot of things I could do along these lines, but for some it might be harder to find things that need organizing.
  25. Join a Meet-up group. Do you know that there are people getting together and doing just about anything you can think of? They aren’t free to organize, but they’re usually free to attend.
  26. Go to a high school football, soccer, basketball, or tennis game. It’s actually fun even if you don’t care who wins. You might see someone you know, and it’s cool to watch people really trying hard to do well.
  27. Go to a college music recital. My son plays piano, and twice a year all the students of his teacher put on a recital as part of their musical development. It is amazing. First, it’s incredible to watch people trying hard to do anything, and second, the level of talent that’s all around us is one of those miracles we don’t pay much attention to. But we should. And the music is beautiful and probably not what you listen to most of the time. Music recitals are different than art openings or shows, by the way. Something about performance.
  28. Do something that you do really well. A lot of times we learn how to do stuff and then we move on. But whatever you’re good at, do more.
  29. Do something you’re really bad at. Give yourself permission to try something new. You know, with practice you could probably do it really well. Give yourself the freedom to consider that.
  30. Get a library card and use it. Libraries have so much stuff! We had to make more use of libraries because my son can read so fast – he reads five times as fast as I do, and there’s no way to buy him books. He’s done by the time we get out of the bookstore half of the time. But he can check out ten books at a time if he wants, and that will keep him busy for a week. I might even get one myself. Plus there are movies there, too, sometimes.
  31. Play a card game or board game. Don’t gamble because that involves money. Enjoy the game itself.
  32. Read a book. This can be free at the library, and there are also a lot of free things on Kindle or the internet more generally. At the library, you can walk around and look at dozens of books before you choose one. It’s amazing how big the world is. And then you choose one, and you will spend hours doing something that’s good for you, pleasurable, and free. Even if you went to a bookstore and bought one, it would still be very inexpensive per hour of enjoyment.
  33. Get a season pass to Six Flags. This is not free, not even close, really, except for this: if you buy it at the right time, you can get a whole season pass, plus parking for the season, for the same or even less than you’d spend on a single day pass. If you do it that way, it’s a great bargain, and by the time you’ve been there three or four times, it starts to feel free. Riding a roller coaster is one of the great thrills of our childhood. I’ve discovered that they’re still a lot of fun.
  34. Spend all morning in bed with your sweetheart. It’s almost too obvious to mention, isn’t it? But they’re our lovers for a reason. Taking the time with them is one of the great things we can forget about in all the hustle and bustle of life.
  35. Walk in the park on a summer evening. Listen to the sounds. Or walk in the winter and listen – really listen – to the silence. With many billion people on the planet, how can things feel so quiet an alone? Amazing.
  36. Make popcorn. Technically, not free, but you’re rarely going to create debt problems based on a popcorn habit. If you control the amount of salt and oil, it isn’t bad for you at all.
  37. Plant a garden. Watch the expenses on this! But if you stay moderate, this is mostly free and eventually pays off. I like herbs like basil, peppermint and rosemary, all of which are easy to grow, and tomatoes and beans, which are both cheap and pretty easy.
  38. Publish a story on Kindle. I’m not saying it’s important to publish or sell anything. I’m saying you could, and it’s free. It can open up a whole new can of worms for you.
  39. Volunteer to help with old people. People in nursing homes can get so lonely, and spending time at an old folk’s home can be humbling and invigorating at the same time. It will make you think twice about a lot of things.
  40. Learn your rights. This is not a product promotion, but you are invited to watch videos and read articles on my site. If you have debt problems at all, you will find interesting reading. If you don’t have debt problems but are interested in the legal system, you will also find interesting reading. And if you’re interested in something else, just do a search and find a site with info that will be interesting to you. Go there.
  41. Listen to an old time radio show. Do you know that there are thousands of old-time radio shows free to be had in the form of mp3 downloads? Back in the 1920s through 40s, before television really got big, radio shows were a major form of entertainment, and a lot of them were pretty great. Our favorite is the Adventures of Sam Spade, Detective. These shows were always witty and had great action and drama. My mother loved them as a child, and it was a nightly ritual for me as a kid to listen to radio theater too (already old and mostly gone then). Now my son listens to a show almost every night, too.