"You can change your life. Start with protecting what's yours from the debt collectors, repair your credit, and then take control of things so that you never have problems with debt collectors again."

I'm Ken Gibert, and I've been helping people beat debt collectors in and out of court for many years. I practiced law in St. Louis for many years focusing on the rights and defenses of people being sued by debt collectors before starting this website in 2007. I started this site because I was convinced that ordinary people can defend themselves from debt collectors, and the many victories by people using these materials shows how right I was. The law in this area is not real complicated, and there is no need to give up if you get sued.

Our Litigation materials give you everything you need to beat debt collectors in court, and our Debt Master materials help you negotiate with creditors and debt collectors, understand and repair your credit report, and take charge of your money and life for good. 

 - Ken Gibert      
Your Legal Leg Up

Don't Give Up! You can beat debt collectors without a lawyer.

If you are being sued by a debt collector you do have a chance to defend yourself and beat debt collectors even without a lawyer. In fact, your chance of winning is so good that the debt collectors probably wouldn't make money if most people didn't give up. Don't give up--defend yourself and protect what's yours. The videosarticles, and products--will help regardless of what court you're being sued in or who is suing you.

Let us help you take control with the materials that can help you transform your life.

Check us out on FaceBook! or Twitter, or go to our blog at


"I purchased your program and approve of it. It is well done if you're looking for a step by step procedure and documents to file for a defense. You cannot win with an attorney because the cost would be prohibitive but you can do it yourself with some study. Jurisdictionary does not do as well as the explanation in Your Legal Leg Up's paperwork. Thanks."
       immafreemann (Youtube name)  

" Mr Ken is help from God for me. I came across with such a great person whose products are not for such a high price but most of all his help and sincerity is marvelous. I won my case because of Ken's products,suggestions and his availability for people like me who are in desperate need and don't know where to go. I won my case. It gave me so courage that i am ready to fight the rest of BSitters"
                       Maria - Illinois

"I was presented with a lawsuit for $2000 from a creditor with a court date. After seeing your material, I contacted the court and told them I was defending against the case. When I showed up for court today, the clerk informed me that the plaintiff requested that the case be dismissed without prejudice. Thank you so much for your help!"
      wokeupscreamin  (Youtube name)

Knowledge Applied Is Power

Ken, Just a quick email to say THANK YOU for your well-written manual! I was scared to death when I got a summons and Complaint served on me by a debt collection attorney in Nov. I did exactly what you said, though, and basically let them know I wasn't going away. The key, I believe, was in the Interrogatories (I used the exact same ones in your manual). The wouldn't answer them, even after my motion to compel. So I filed a Motion to Dismiss, and that was pretty much it. The attorney folded like a cheap suit, and I have to say it almost felt better than sex!

Thanks again! --Gary

Welcome to Your Legal Leg Up.

You'll find more and better information here on Negotiating with Debt Collectors, Defending yourself against them in court, and repairing your credit than anywhere else on the web. 


Most people who come to this site are either having some sort of debt troubles – bills are piling up and they're worried about the trouble that might cause them, or they're already being sued. We can help either way. If you will click on one of the two following links it will give you a shortcut to the materials that will help you.

Already being sued by an original creditor or debt collector and know you want to defend pro se? Click here! It will take you to our Debt Litigation Materials and our Self-defense system.

Being sued and need help figuring out what to do? Click here to learn about our personalized evaluation.

Debt Collectors trying to get you to pay? or Trying to repair your credit? Click here if you are trying to regain control of your budget, your credit report and your life and want to know how to:

  • Make the debt collectors leave you alone;
  • Repair your Credit, and
  • Retake control of your spending.

Don't Let the Debt Collectors Get You Down


Please feel free to visit our articles and videos, and  

Click here for our free "Seven Step" Program to help keep you out of trouble, or - -

If you are being sued, click here for "Developing Uncommon Sense in Debt Defense" - an ecourse on some basics of debt defense.



You can fight the debt collectors and win! You have legal rights. We're here to help.

Are You Being Threatened with Foreclosure? - click here for free material on how the FDCPA May Apply to Foreclosure.


With a little help...

You can stand up and reclaim your financial security.

We've designed this site and the materials to help you defend yourself wherever you are in the debt collections cycle, whether you're being harassed by collectors, sued by a debt collector or original creditor, or if you want to sue a debt collector who has illegally harassed you. Go to Finding Your Way Through Debt Litigation. If you have defaulted on a debt lawsuit, go to Overcoming Default When You're Sued for Debt. Facing a Motion for Summary Judgment? Go here or here.>

If you...

...Are afraid you might get sued and want to know your rights,

...Are new to this and are worried about whether you can defend yourself,

...Have just been served a summons and need to know how to Answer the Petition,

...Are in default,

...Think you might really owe the money,

...Are worried someone will garnish your wages or Social Security Check,

...Don't understand a legal term,

...Have wondered if you could beat debt collectors without a lawyer,

  ...Are looking for FREE information--free articles or free videos for research to get you started, or

...Want to bring suit against the debt collector

We can help.

If You Are Already Being Sued


       If you are already being sued, you probably should not sign up for the course and wait for anything. You need action now. You should be doing things to protect yourself NOW. 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 know those things with the Debt Defense System and get help doing the right things while avoiding the wrong 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.

          Just think about how it will be, first when you walk away from the debt collectors who have been making your life miserable, and then as you move towards a life of greater freedom and happiness – free from debt, and free to build your future.

         The Debt Defense System is a service designed to give you all the materials and support you will need to defend yourself from either the debt collectors or original creditors without having to hire a lawyer.

          Do you know whether you are being sued by a "debt collector?" - Click here to find out.



You can now post comments on most pages on this site.

*  *  *  *  *  *  *  *  *  *  *  *

Members' comments will be posted immediately in members-only areas.





If You Are Not Already Being Sued

     If you are not already being sued, and want to try to negotiate with the debt collectors or creditors to clear up your credit report or make sure they do not sue you, then you will want our Debt Negotiation System

     Not all negotiation and settlement happens in court, 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.

     Click here for more information on the Debt Negotiation System.



Check out our ever-expanding list of new content, including FREE information and FREE resources:

---FREE videos ---FREE articles ---announcements ---features ---new member resources ---and more...

in addition to new products and services available to both members and non-members.

Debt Consolidation: Two Hidden "Legal" Risks

Debt consolidation is combining outstanding loans (debt) into a single package (consolidation). The debts therefore become one “new” loan. Occasionally people ask me whether debt consolidation is a good, economically constructive solution to credit card problems. Debt consolidation is often a very bad idea, although it sometimes has its advantages.  This article discusses two of the most important reasons not to consolidate your debt: legal risk and flexibility. Click here for the rest of this article. 

What You Need to Know about Debt Settlement


Most debt reduction plans play a sort of “chicken” with your creditors. The way they work is that, when your situation becomes really dire, you stop paying as many bills as you can and start saving a pot of money that you will eventually use to pay all of them off. When you have saved enough, and when your creditors have become desperate enough, you negotiate to make them go away.

It sounds like a plan that might work – and it often does. Click here to find out more, and about a plan that actually might help you.

Here are just a few of the debt collection topics we've addressed:


Can there be a downside to giving debt collectors money?

Debt collectors are trained to be intimidating and aggressive. Should you ever give them money? And what are the legal effects if you do so? Giving them money can be a big mistake. Watch this free video and see why. For help defending yourself, we recommend The Debt Defense System. If you want to negotiate before they file a suit, we can help, too. Just use our Debt Negotiation and Settlement System. For in-depth guidance and help with motions for summary judgment, get my Summary Judgment Defense Pack. The most extensive resource for undersatnding debt and the law, debt collection practices, what is a judgment, how to file a motion for court, and more is the Membership to

Should I trust what the debt collectors tell me?""

Have you been tricked into skipping your court date? or are they telling you you don't need to be there? It might be a trick. Debt collectors make the huge majority of their money -- almost all of it -- off of people who give up and do not defend themselves. They know it and do everything they can to make people default -- and sometimes they use extremely questionable tactics. This free video tells you how to recognize tricks and how to respond.

Does the Fair Debt Collection Practices Act (FDCPA) protect me from debt collector's threats? Can they threaten to garnish my wages?

The Fair Debt Collection Practices Act (FDCPA) makes many forms of threats illegal for debt collectors to make. Some of these are obvious, and some are a little more subtle. This free article clarifies some parts of the Fair Debt Collection Act's definition of threatening and unfair debt collection practices. The laws on debt collection can be difficult to understand, and we strive to make them more accessible to everyone.

 If You're Being Sued For Debt, Consider All Of Your Options Before Deciding On Bankruptcy

When people are being sued for debts, they often panic and look for the quickest, easiest, or least scary way out. And bankruptcy often occurs to them as the solution. I believe there are often much more effective ways to handle old debt, especially credit card or merchant account debt that has been sold to a debt collector, than bankruptcy. Panic is not necessary, and bankruptcy—at least at first--is seldom the best solution in a real-world sense. Read this article.


Need to prepare for Trial? If so, check out our new, members-only videos for Trial Preparation!

Check our our Member-only Document Bank - examples of all the documents you will likely need in a lawsuit against the debt collectors.


Go right to the help you need!      If you are already being suedclick here.

                                                      If you are facing bills that are piling up, click here.

Powered by liveSite Get your free site!