Defending Yourself and Protecting What's Yours When You're Sued for Debt

What do you do if you're sued for debt? Hiring a lawyer sometimes costs more than just giving up, but how can you know the person suing you has a right to do it? And if they don't, you might have to pay twice. This video discusses your options and shows you how you can defend yourself and avoid paying unless you absolutely have to. It isn't "wrong" to protect yourself. In fact, it's not good if you don't. The system works best if you stand up for yourself. And one thing is for sure: if you don't protect yourself, no one else will. 

Defending Yourself and Protecting What's Yours

Why You Will Win if you Defend Yourself

Protecting Your Rights

Protecting your rights is very much a question of timing - you need to take the right actions at the right time. In debt collection, as in most of the law, there are three critical points in time: before you are sued, while you are being sued, and after judgment. Your options are very different depending on where you are in the process.

Before Being Sued

If you are not already being sued, you have a few basic options. You can ignore the debt collectors and hope they go away - as in fact they often do. You can force the debt collector to stop calling you (and take your chances that they may sue you, as they sometimes decide to do). You can try to pay what they're asking - but since you're here at this site I'd guess that isn't working for you. And you could try to negotiate with the debt collectors or creditors to clear up your credit report or make sure they do not sue you. We have materials that could help you whicher choice you make.  


Negotiation and settlement is probably the quickest, surest path to peace of mind. That's because if you can reach a settlement, you will take away the debt collector's right to sue you and create specific and clear obligations for yourself.

Not all negotiation and settlement happens during a lawsuit, you know. It is possible to contact many creditors and debt collectors to work things out without a law suit. But - whether there is a lawsuit or not, all negotiations occur "within the shadow of the law." That is, in order to negotiate effectively, you need to know what their rights are, and what your rights are, in the law. What can they do to you if you do not settle? And what can you do to them? Knowing the answers to these questions helps you handle the fear and uncertainty that haunts so many people as they try to get a grip on their financial lives. You can find the answers you need.

And after you find the answers that lie behind the debts, you still need to know what to say and how to say it. You'll find plenty of help with that, too. You see, it makes a large difference who you're talking to and where in the debt collection process you are. We do not offer empty formulas, but rather solid understanding of what they are after, what you might want or get... and a few suggestions about how to say things so you'll get them.

If You Are Already Being Sued

If you are already being sued, you need to take immediate action to defend yourself and try to gain control over the lawsuit. You can beat them - it's mostly a question of knowing what you need to do and doing that thing throughout the lawsuit, while at the same time not doing the things you should not do, until you either make them go away or win at trial. It sounds simple, and it is – if you know what you’re doing.  You can no those things with the Debt Defense System and get help doing the right things while avoiding the worng ones. 

I have had a great deal of experience both as a litigator and web master and have realized that almost every person representing himself or herself in a debt case would do much better if (1) they have an opportunity, preferably on a regular basis, to talk to other people who can help them with insights and information; and (2) a lot of the work done for them. The Debt Defense System does that. When you buy the Debt Defense System, you will also get a membership which both allows you to use the full resources of Your Legal Leg Up's website and participate in our weekly teleconferences where members speak to each other and Your Legal Leg Up's staff.

After Judgment

If you have been sued and there is a judgment, your options are much more limited than at the other stages, although you still have a few. We have materials and information on vacating default judgments and methods of collections. Sometimes these will be what you need. Other times, bankruptcy can be an option, although this is not our specialty.

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