You Can Beat the Debt Collector
(Even If You Couldn’t Win the Lawsuit!)
If you’re being sued, I’m sure you’re scared. Everyone is. But hear this: you have a very good chance to win the suit if you stand up for yourself. Believe it or not, if you know what you’re doing, the odds are actually stacked in your favor against a debt collector. And it isn’t that hard to learn what you need to know to take them on and beat them.
And even more important, if you stand up for yourself, you will probably beat the debt collector even if you couldn’t win the suit. Read on to see why this is true.
Some Very Basic Facts You Need To Know
If people would stand up for themselves, debt collectors would have a very hard time making any money. Lucky for them, most people don’t stand up for themselves.
The Debt Collector’s Problems
The debt collector will have a lot of problems if you stand up for yourself. They usually don’t have the records they need to prove their case even if you actually did owe the money. And more often than you might expect, you don’t owe them the money because of certain time limits or because they can’t prove they own the debt. They also have certain even bigger practical difficulties that you can use to protect yourself if you know how to find them.
FEAR-The Debt-Collector’s Best Friend
Because the debt collectors would have such a hard time winning if you fight back, they rely on the terror of the collection process to scare you into settling the case or giving up altogether. This fear of the legal process is the most important weapon the debt collectors have. If you can handle that, chances are you’ll get off scott-free. That’s why YourLegalLegUp litigation materials explain how the debt collection business operates from top to bottom.
You Have Almost Nothing To Lose
Strange as it may seem, now that you’ve been dragged into this suit, most of the bad has already happened. It costs very little to fight if you do it yourself. And if the company wins, they are going to get the same thing (in almost every case) whether you fight or not. In other words, it won’t get worse if you fight.
And if you fight and win, as I explain in the section about counterclaims, not only will you not owe them anything, but they may have to pay you.
In other words, you have basically nothing to lose by fighting and everything to win!
Why You Have a Chance to Win
You actually have a very good chance of winning the lawsuit filed against you- if you stand up for yourself. Look at the lawsuit filed against you-the “Petition” it’s usually called. It may look like it was done carelessly, and it probably was. But the paragraphs of the petition say the things the debt company would have to prove to the court-if you stand up for yourself.
They have to prove the existence of a “contract,” or some obligation for you to pay. They have to prove they own the right to sue you. And they have to prove the amount you owe. You might think they could easily do that, but in fact it is difficult if not impossible for them to prove these things.