Tag Archive for: social justice

Debt Collection is a Social Justice Issue

When banks screw up, they get bail-outs and promotions. When you do, you get subjected to an elaborate rip-off system and called bad names by strangers. Stand up for your rights.

Anybody who has ever been to a court that handles debt cases has been impressed by what a travesty of justice the scene presents. People are herded in in large groups, and then there’s a cattle call. It goes like this:

Judge: “John Smith? … John Smith?”

Lawyer for debt collector: “Ask for default.”

Judge: “Granted. Joe Blow? Joe Blow?”

Lawyer for debt collector: “Ask for default.”

Judge: “Granted. Susie Q? Susie Q?”


And this goes on for possibly an hour. A few people will stand up and respond to the judge, and these are directed to “discuss matters” with the debt collection lawyer. These almost always end up as “give-up” settlements or judgments.

When the one in a hundred persons does appear and actually fight, the court is so startled, and yet so used to the giving up, that chances are good the person will have to work five times as hard to get a fair shake as you would in any other kind of case.

A glimpse at the people will tell you why: these are the working poor – or just the poor – being cycled through the system.

Class War and Debt Law

Class War – How it Applies to Debt Law

There is a class war going on, but is an “undeclared war,” where the wealthy and politically connected are being allowed to do anything they want andtake anything they want, and the poor and working classes are left to foot the bill. We at YourLegalLegUp believe that Debt Collection is a Social Justice Issue, both in who is targeted, and the methods used. If you are being targeted, you can and should defend yourself. Use our materials to start protecting what’s yours.


As we often say, around 90 percent of people being sued for debt do not defend themselves. Consider what that means: it means that it’s really more expensive for a debt collector to find out whether it has a good case against you – much less to build it and beat you in court if you fight  – than just to bring cases and dismiss them if things get tough. And that’s exactly what most debt collectors do. Therefore, rather than look for words to scare the debt collector away, it makes sense to build a tough defense that makes them work hard to try to beat you. That’s what the our materials help you do. No magic words or secret loopholes, just intelligent defense which makes the debt collectors think they’ll lose money by chasing you and gives you a chance to win even if they do.

You may know that the value of time worked has gone down quite a bit in the past forty years, while the value of things – stocks, bonds, collectibles, etc., has gone up. As has the cost of living. What that means in plain English is that the rich have gotten richer, and the poor have gotten poorer. This is not some sort of weird accident or fluke of nature. Rather, it is the result of deliberate policies by the government and banks.

Don’t let them rip you off in court.