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Why you Need us if you’re Being Sued for Debt

If you’re being sued or threatened with suit, the first thing you will have thought about was getting a lawyer. Probably the second thing you thought was that you could not afford one. Lawyers don’t all charge the same, or even the same way, but they are all expensive.

What Lawyers Charge

A lawyer with experience, in a medium to large city, will aim to make at least $100 to $300 per hour. It seems impossible, but it’s true, and that will translate into:

  • A flat charge of $1,000 to $1,500 for defending your suit;
  • $1,000 or more in retainer plus a contingent rate; or
  • An hourly rate of $150 per hour.
  • Or some variation essentially equaling the same thing.

Now, not all lawyers will charge that much, but most will – or as much as they can.

What makes it even worse is that very few lawyers are very familiar with the laws involved in defending you. That means they either have to charge you their rates while they learn what to do, eat the costs of learning what they’re doing, or NOT learn what they’re doing. And all of these things have obvious problems for a person needing a lawyer.

So it’s hard to afford a lawyer.

It’s Hard to Find a Lawyer in Debt Law

It’s also hard just to find one who does this kind of law. Many of our members have reported that they could not find a lawyer who would take their case at any price. And there aren’t many lawyers who do. Most big cities have a few – it’s hit and miss in small communities. That’s because people can’t afford them for this kind of law, considering what they have to charge, and because most lawyers haven’t actually heard of most of the laws involved – debt defense is NOT standard teaching in law schools.

Lawyers who DO know about debt law know that, if they represent you, they’ll be taking on a case against a lawyer who handles dozens, perhaps hundreds or thousands of these cases at a time, with a staff, documents, and network to support all that. It’s a tough job. It can be done, but the math isn’t real great, so not many lawyers handle debt law defense.

You Can Do it Yourself

Luckily, you don’t have to have a lawyer for debt defense. In fact, it may even be an advantage to represent yourself. And while it may seem scary, you’ll see that it really isn’t very. Let me explain.

The Number One Reason Most People Don’t Defend themselves

The biggest reason people don’t defend themselves is fear – they’re afraid of having to show up in court, stand up and talk to the judge, talk to a jury… etc.

In fact, most cases of every type never go to trial. Very few do – less than five out of a hundred, perhaps much less than that. If yours DOES go to trial, and for every appearance before a judge, you will be fully prepared. You’ll know much more than the lawyer on the other side – and you’ll know you know, and so, eventually, will the judge. There are a couple of reasons this is so.

Debt Law is Factory Law

America is drowning in debt, and debt cases are filed by the truckload.  That means a few things to you.

First, it means that the people filing the suit know very little about the cases before they file them – they just don’t have time. If you talk to the lawyer before a court date, you’ll see someone utterly confident that they’ll win – without having a clue about anything having to do with your case. The lawyer probably will have never even looked at your case.

Second, it means that the companies need to keep lawyer time invested in cases to an absolute minimum. As I say, the lawyers never worry about losing your case – they worry about spending time on it.  So they will conduct discovery or other pretrial preparations, if at all, in a standardized way, and they will respond to you in a standardized way. That means you can foresee what they will say and prepare (which we help you do). And it means you can disrupt them if you do things they don’t foresee, and we help with that, too.

Given all that, it means, thirdly, that most debt plaintiffs’ lawyers are not particularly gifted lawyers. They spend all day, every day, doing the equivalent of a bully walking up and down a beach kicking sand on everybody that’s smaller them. That isn’t exactly great conditioning for legal thinking, and most good lawyers regard it as a waste of their talent and don’t want to do it. That means there will be a good chance you’re at least as smart as the lawyer you will see in this case. And you should be a heck of a lot more motivated.

With our help, you will be more knowledgeable, too. The best way to get that help is by joining us as a member.