Three Weaknesses
Most Debt Collectors Have

And How to Use them to Win Your Case

Here’s what one customer/client said about this report:

Hi Ken,

I wanted to say Thank You for the greatest report I have ever seen regarding how to beat the debt collectors (that have taken advantage of so many people.)  “Three Weaknesses Most Debt Collectors Have” is laid out very well and gives the pro se defendant a real fighting chance to educate him/herself to face these predators and win the battle!  Pro Se Defendants can put away the fear of facing these organizations and stand up for themselves with the knowledge they need to win.  THANKS AGAIN!

All The Best!  

Joanna McConnell

Three Weaknesses Most Debt Collectors Have

Debt collectors tend to buy debts in large quantities at very low cost and bring suit “in bulk.” This means that they have essentially unlimited pools of debt at negligible prices from which to choose and very little incentive to spend much money on the cases. Most of the people they sue do not fight back. Together, these mean that the debt collectors are not designed to fight a determined opponent, and it rapidly becomes uneconomical for them to do so.

Ordinary debt defendants have a tremendous advantage if they know how to defend themselves and where to focus their efforts. The Debt Defense System helps you fight back intelligently, and now the Three Weaknesses Report tells you where to focus your efforts in most cases against the debt collectors. You’ll have to do some work both to figure this out and to apply it to your case, but it will take much of the work out of your defense and give you a shortcut to victory.

The Weaknesses

The weaknesses debt collectors share all come from the carelessness that handling cases in bulk with an absolute minimum amount of individual time spent on them brings. There is very definitely a “factory mentality” among the debt collectors, and individual time is by far the most expensive part of the collection process for them. This factory mentality pervades the process from top to bottom and infects sales of debts between the debt collectors.

Remember, none of these weaknesses are “magical” or “secret.” They are simply the inevitable result of a process which focuses so much on bulk purchases and processes that rarely get tested by defendants. The debt collectors tolerate problems that can be fatal to their case in individual cases because most people don’t attack the problems.

No Adequate Bill of Sale or Chain of Title

We tell you specifically what to look for to know that the debt collector has this problem, but many debt collectors can’t seem to show an adequate bill of sale. When the debt has been sold more than once, the debt collector is almost never going to have what it needs to prove its right to sue you. The Report shows you what questions to ask in discovery to get proof of the problem, how to show it to the court, and give you case authority for the position you are going to take. The bottom line, though, is that the debt collector will often fail to prove actual ownership of the debt. Without that, it has no right to sue you.

Hearsay and the Business Records Exception

Debt collectors buy debts from other people who created and kept all the records of the debt. They almost never get what they would need to introduce these records in court properly. We explain the rule against hearsay in the report and show why the debt collectors’ efforts to avoid that rule not only should not work but actually probably amount to a violation of the Fair Debt Collection Practices Act (FDCPA). We give you cases and arguments, and we show you how to get what you need to prove your case.

No Contract

Debt collectors rarely bother to get the credit card contract or application for which they are suing you. They say they don’t have to, but…

We’ll show you why they do. Again, we give you the case law and show you how to find the debt collector’s weaknesses through discovery. And we also show you how to deal with the most common way debt collectors try to avoid the huge problem not having a contract can often bring: the “Account Stated” claim.


As we’ve said, almost all debt collection cases share these weaknesses, and you can usually kill their case with the information in this report. You may need to do some research to make it just right, and you will definitely need to understand the arguments, but this will take you a long, long way towards beating any case brought by a debt collector.