The value of experience in the law is not always that you know what to do - it's that you know when there's something that needs to be done. Special Issues in Debt Litigation - A Shortcut to experience in debt law is designed to give people who are being sued by debt collectors, or who think they may be sued by debt collectors, or who are just interested in the way debt law works, an overview of many of the legal issues that come up. In this book - which is over 200 pages long in paper, you will find interesting discussions of a wide variety of specific, different legal issues that MIGHT come up and ideas on how to handle them. In other words, it gives you a shortcut to that kind of experience that makes all the difference, because you won't investigate an issue unless you realize there is an issue that needs to be investigated. This book is well-written and easy to read.
Your Legal Leg Up is a website and business designed to help ordinary people defend themselves from debt collectors before or during a lawsuit. Many debt collectors rely on unethical and unfair collections methods that violate the Fair Debt Collection Practices Act (FDCPA), which is the first and best source of debtor rights, among other laws.
What makes everybody have a good chance against a debt collector is simply the way the debt collection business works. Junk debt buyers buy huge “tranches” or “portfolios” of debt – sometimes many millions of dollars of “nominal” debt at a time. “Nominal” debt means that is the amount that is theoretically owed, although the companies selling it, like the companies buying it, “discount” the value of debt depending on how long it has been in default (or based on other risk factors). Debt collectors buy huge amounts of the riskiest debt for pennies on the dollar.
Then they harass and dun the people who supposedly owe the money for a while, and then they file suit, often against dozens or hundreds of people at a time. Because the debt collectors are doing everything in “bulk,” they cannot really spend much time on individual cases. If you fight them, therefore, you have an excellent chance to make them go away – it's simply too profitable for them to pursue the many who do not fight rather than the few who do.
If you hire a lawyer to fight for you, they are more likely to drop your case faster, but if you fight them intelligently even without a lawyer you will have an excellent chance to win the suit on your own. And this, again, is because every time you file a pleading, a motion, or discovery, or pursue any of your rights or potentials in the lawsuit, and every time you force the debt collector to appear in court, you are costing them money – money they hate to spend on you when there are so many others who won't fight. Special Issues in Debt Litigation - A Shortcut to Experience and Instinct in Debt Defense
Also check out: The Ultimate Choice.