Letter to New Visitors


Hi, and welcome to our site. We hope you will find the help  you're looking for here. In addition, we're sure you will find hope and encouragement to take the steps you need to take to protect your rights. It may seem like the deck is stacked against you, but you have an excellent chance to win and get out of this in good shape. That's because of the way the system is designed - the debt collectors run a factory, and that leaves you plenty of opportunities to protect yourself. We tell you why, below.

If you are already being sued, you will probably want to go to the product page and check out the Debt Defense System. Time is of the essence, and you can get the help you need from a membership with us.


As you look at this site, you will probably notice that we spend a lot of time trying to persuade people they can defend themselves from debt collection law suits. Debt law is not all that difficult to understand, and with some basic help you will have the big advantage in defending your rights. A lot of people are afraid that if they stand up and defend themselves, someone (and maybe a lot of people) will laugh. Well, they might--at first. But they won't be laughing pretty soon. No one will.

With a little courage, and help from this site, you will be able to defend yourself competently. Enough to make them take notice. Enough to cost them money. And, often, more than enough to make them go away and leave you alone or to win outright.

And if you do that, you'll learn something pretty great about yourself: you have power, and you can defend yourself from people who are trying to take things away from you.


It may be that all you need to know is "just the facts." If that's the kind of person you are, then the message here should be enough to get you started.

Just the Facts

These are the plain facts as far as we know them. 

No one really knows exactly how many debt lawsuits are filed each year. The numbers are not kept in any central location. Our guess is that the number is at least a million per year. 

No one really knows exactly how many of these suits are won by default, or even how many actually get served on the defendants. And of those that do get served and defended, no one actually knows how many are won by defendants. The number that lawyers who defend many of these cases usually use is that between 80 and 90 percent of the cases that get served are won by the debt collectors by default. We would estimate from our own experience and observation that around 95 percent of the cases are disposed of without a defense --i.e., that defendants either default or settle on the day of court by agreeing to pay everything claimed in the lawsuit.

Of the lawsuits that are defended, no one really knows how many are won by the defendants or the debt collectors, or what the terms of any settlements actually are (nationally). From our experience and research, we would estimate that at least 80 percent of cases that are defended with any significant effort and knowledge are "won" by defendants. We consider a settlement for a small fraction of the amount sought a victory for the defendant.

What We have observed is that:

Of the lawsuits that are served and defended by lawyers specializing in debt defense, the defendant wins at least 90% of the time --the debt collector almost always dismisses the case and goes away without collecting anything. If you can afford it, and if there is a lawyer who specializes in debt defense around, this seems to be the best way to go in terms of just winning the case. We have made arrangements for a major provider of prepaid legal services for a special deal for our members for a service that will provide you a lawyer specializing in debt defense, free, if you need it (under the circumstances provided in the program).

Of the lawsuits defended by lawyers who do not specialize in debt defense, the defendant almost always pays something to the debt collector, usually about the same as if the defendant had agreed to settle (give up) the first day of court. Better than default, in other words, but not much.

Of the lawsuits defended pro se by users of YourLegalLegUp, most result in dismissal without payment, and the rest result in settlement for what you might call a "token amount." It would appear that members of Your Legal Leg Up do much better than those represented  by lawyers who do not specialize in debt defense. As far as I know, every customer of YourLegalLegUp materials has saved a lot of money. You can go to the Debt Defense System by clicking here.

A Caution: Not every customer has told me the outcome of his or her case.


Why It Works This Way

The reason it works this way is not magic. Its simply that debt collectors generally do not have the materials they need to win their lawsuit when they file suit against you. Because they win most of their cases without a fight, it wouldn't be worth the expense of getting them before they need them, and the people who sold them the debt do not want to be troubled by it any more. The original creditors actually resist giving the debt collectors the documents they would need to beat you and sometimes destroy the records or make the debt collector promise not to seek them. 

Lawyers who specialize in debt defense know that debt collectors do not have the materials they need to win and have to spend money to get them. These lawyers know how to expose the weaknesses of the debt collectors' cases and force the debt collectors to spend money trying to get the evidence they need and defending against counterclaims and motions. The debt collectors know these lawyers and what they can do and choose not to fight most of the time.

Lawyers who do not specialize in debt defense do not know what debt collectors have or need and find it expensive to try to defend the cases. They often tell their clients that it will cost more to defend than is in dispute in the case. And the debt collectors know these lawyers are not familiar with the debt collection business and take advantage of them.

Pro se defendants who get YourLegalLegUp materials know what the lawyers who specialize know, but they are inexperienced in the courtroom and have to get used to the way courts work. The lawyers for the debt collectors do not know what the pro se defendants know (at first) and (at first) do not expect or believe that the pro se defendants will continue to fight. As they do continue to fight, however, the pro se defendants become more experienced and comfortable in the courtroom, and the debt collectors become more aware of what the defendants know. They become willing to settle on much better terms because they can see that continuing to litigate will lose them money. As far as I can tell, the longer the pro se defendant is willing to keep fighting, the better the terms get, and often the debt collectors drop the case because they do not want to lose money.

If you are negotiating to try to settle your debt in order to repair your credit and avoid a lawsuit, you should consider the Debt Negotiation System. If you are being sued or expect to be, you will want to consider the Debt Defense System.


Your Legal Leg Up Products

Our main service/product is the Debt Defense System gives you everything you need to beat the debt collectors if they sue you. It comes in three levels of membership which offer slightly different features. the Gold level membership gives you basic access to teleconferences, member-only articles and videos, the document bank, and certain other materials. The Platinum and Diamond memberships offer some important bonuses.

We also offer many other products in this catalog, from our Trial Handbook and Research Guide to products designed for specific situations such as motions or specific state laws. Most people will want to get one of the levels of the Debt Defense System. Most of the situational materials come with membership for free.

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