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Requiring Verification of the Debt - Your Secret Weapon against Debt Collectors

When you get the first notice that a debt collector is after you, you should get an opportunity to "dispute and request verification." That right is provided by the Fair Debt Collection Practices Act (FDCPA). Click here to get your free copy of the FDCPA. This video here explains why you should dispute the debt and require the debt collector to verify it. In other words, always seek verification  And this video shows you how to do it, and how it affects some of your other rights, because often a debt collector will either disappear completely once you seek verification or will fail to provide verification but still harass you - a violation of the FDCPA.

But remember this does not work if they file suit against you - if you don't answer a lawsuit when it is filed, you will lose the case. See Bogus Right to Verification on Petition - Dirty Trick! If you have already sought verification but not received it, you might file a motion to dismiss based on their failure to verify. 

Here's what to do if they fail to verify the debt before suing you.

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 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.

          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.

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.

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