Beat Debt Collections
How To Beat Debt Collectors at Their Game
Friend, I understand how you feel. The debt collectors came after me for $7,658.43 to be exact. Fortunately… THEY LOST!
Hi there. Imagine having a legal way to make the debt collectors go away. No more phone calls, letters or harassment.
Did You Know?
Only 1 in 10 people fight back against debt collectors? Less than 10% of debt collectors have the proper documents to collect? Many debt collectors do not have a license to collect in the state they are trying to collect in? Each state has a statute of limitations on time allowed to enforce a debt?
Life was going well; good job, good credit, bills paid early every month…until…the vicissitudes of life. Loss of income. I had to make some tough decisions…which bills would I pay. Or more accurately which bills could I pay.
It’s not your fault. Bad things happen to good people.
I had to stop paying some bills out of necessity and it bruised my ego as well as my credit. The letters began to pile up and the phone calls came in like a flood. After a while, I just stopped answering my phone and opening letters. You know what I’m talking about…
You may be going through what I did and perhaps I can offer you a little peace or help.
After working all day, I came home to find a summons stuck in my front door.
What the ….I’m being sued?
I thought, “I should have opened all those letters that were coming in the mail.” Even though I wanted to settle I simply didn’t have the money. I prayed it would go away.
I needed to do something about the lawsuit fast or face a default judgment in the amount of $7,658.43 AND have my wages garnished. I’ll be honest. I felt intimidated and fearful of what could happen.
Let me tell you, Friend, if you do nothing about your current situation you are sure to get slapped with a lawsuit, a judgment and even wage garnishment! And derogatory marks against your credit rating, which amounts to paying higher interest rates, difficulty obtaining a car loan, a home mortgage and even some types of jobs.
What Should I Do?
I wrote the court a letter within the allotted time to respond and mailed a copy to the law office representing the collection agency. The court scheduled a pre-trial hearing.
I then did what everyone does…asked friends and family who have NEVER been through what I was facing what they would do.
I was given a lot of bad advice. I was told, “Only a fool represents himself in court. Get a lawyer!”
Every debt collection attorney I called told me that they couldn’t help me (not that I had money to pay them.)
In the summons I received from the court the Plaintiff outlined accusations against me, which sounded very serious. In the letter I sent to the law office I asked to have their client provide information to me about the debt. I admitted to nothing and agreed to nothing.
Big Bark, No Teeth.
I did more research and reading. A lot more. I realized that they were saying a lot of things but lacked any real evidence.
Just to clarify, ONLY in a criminal case is one innocent until proven guilty. Debt collection is a civil matter. In other words, you are assumed guilty unless you fight back to prove otherwise. Don’t worry. You can still beat them at their game like me.
Months later at the pre-trial hearing, the attorney representing the collection agency showed up with nothing to give me, however, she did have the nerve to ask me to settle with them. I told her I would not settle unless her client could provide me with the information I requested.
Here’s the nugget of truth you need to hear…
They DID NOT have it!
Remember, I already sent them a letter a few months prior to this initial hearing asking them to provide me information.
Smells Fishy.
The judge then scheduled another pre-trial conference because we didn’t agree on a settlement.
I sent the law office representing the collection agency another letter, some emails and left phone messages asking for exchange of information since this was the “discovery period.”
They offered no response.
Months later at the second pre-trial hearing, the law office sent an “independent attorney-for-hire” that didn’t even work for their firm. The lawyer “for hire” showed up with three items. All were completely bogus.
He gave me an affidavit from the process server indicating the process server positively identified me upon service (which was not true), a document of a debt collector who purchased the debt from the original creditor who then sold it to another debt collector.
Neither one of the two was the Plaintiff.
He gave me another affidavit from the Plaintiff (collection agency) that stated they owned my debt. He then had the nerve to ask me to settle the debt right then and there.
I’m not an attorney, and I don’t play one on tv but why would anyone settle in this scenario? The judge said we would go to trial to have him settle the case. The trial date was scheduled three months out.
I Believe.
I felt the judge was favoring the law office. Maybe because I didn’t have a lawyer representing me. “Only a fool represents himself.” I was frustrated with the Plaintiff ignoring my requests to exchange information.
I let the judge know that the law office was not providing me information I requested from their client and that it had been going on for the past eight months.
He told me, “Be patient and give them more time because they are very busy.” Really?
I’m going to give you my opinion about unsecured debt, which is what this case was all about… a credit card. I believe in paying what one owes but when one has more money going out than coming in one becomes insolvent, therefore, one must make tough decisions.
Some call it being stuck between a rock and a hard place.
Collection companies that purchase junk debt are morally bankrupt!
People who are broke can’t pay. The banks inflict their damage to the debtor and the score is settled.
To have another company (many debt collection agencies are owned by lawyers) come around and purchase the bad debt for pennies on the dollar then use bully and scare tactics to collect the FULL amount is wrong.
The poor person HAS ALREADY settled the score with the ORIGINAL CREDITOR!
Do I pay my bills… Do I file bankruptcy… Do I ask family for help?
Decisions.
When the creditor (the bank) and I entered into an agreement regarding a credit card, there was a clear risk that someone might get hurt or lose. All contracts present the same risk. In my case and in my opinion we both lost.
The bank took a hit. They didn’t recoup what I said I would pay them so they charged off the debt loss, wrote it off for a tax break then sold it to a junk debt buyer aka debt collector.
I took a hit. My credit and FICO® scores took a nose dive because of late payments and the charge off. Ouch!
In my opinion, I suffered the greater damage because of all the backlash that goes on forever…flood of phone calls, piles of letters, numerous court appearances and the huge amount of the time I spent studying, researching, writing letters and stressing about what I would do.
I also have to rebuild my damaged credit and will be frowned upon by all the banks and lenders.
Back to the case…
Between the time after the second pre-trial hearing and the actual trial date, I again sent the law office representing the collection agency a letter asking for exchange of information.
All the letters I sent to the law office were certified with return receipt.
Less then three weeks before the trial the Plaintiff sent a motion to the court asking if they could have a telephonic witness because the individual was out of state. They were too lazy to get on a plane to come to a court hearing that they filed!
I responded with a motion to object their motion and included reasons and sent it to the court and the law office representing the collection agency. I also prepared a motion to dismiss the case for my big day.
The End.
I walked into the courtroom the morning of the trial a little nervous.
A woman who was seated asked me, “Hi, are you Robert?”
She was the attorney representing the Plaintiff. She walked up to me and proceeded to tell me in a quiet voice, “We’re gonna dismiss the case when we go before the judge today.”
Win!
After we were dismissed, the plaintiff’s attorney asked to speak with me in a conference room. I asked her why they dismissed the case. She wouldn’t give a reason. I know why.
Can you believe she actually asked me after the dismissal how much of it I was willing to pay?
She also tried to use psychological tactics telling me that I was still obligated to pay the debt. Sad. Here is the truth; they NEVER had a case against me!
They were just throwing the dice to see if they would get lucky…
For them it’s worth throwing the dice because they make a killing on their investment. It’s easy for them to churn out mass letters to see who will agree to terms or who will hide and get slapped with a judgment, which can lead to garnishment of wages and major damage to one’s credit.
In Conclusion.
Deal with the debt collector right away when you receive a letter. You have 30 days to respond to them and should do so in writing.
I can tell you what you need to say, what you need to ask.
The most important thing I learned from my court experience is that the judge will only rule on the law, therefore, it pays to know what the law says and what it means.
I learned to keep fighting until the very end. You’ve heard “Quitters never win and winner never quit.” So true!
I spent months and countless hours studying and researching to learn what to do about my debt collection. I was losing sleep and becoming irritable. I was stressing!
You can stress about it…
Or
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A Copy of my Court Summons A Copy of my Letters To The Law Office A Copy of the Motions A Copy of the Affidavits A Copy of my Declarations A Copy of my Court Dismissal
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The 7 Best Ways To Stop Debt Collectors
What’s The Catch?
There simply is no “catch.” My real life experience of how I beat a debt collector is NOT hypothetical, theories or hearsay. It’s completely TRUE.
Make Money?
Think of it this way. If you can get the debt burden off your back legally isn’t it like earning the amount of the debt? You can earn $100 on your paycheck or you can get a tax credit for $100. Both are the same.
Even though I didn’t put, in my case, $7,658.43 in my wallet it was like I did because the $7,658.43 collection went bye, bye… or buh, bye.
If what I did worked for me, an average guy, it will work for you. I can’t begin to express how empowering this experience has been.
Normally, this kind of help would cost you hundreds of dollars (attorneys get paid by the hour) but I’m offering it today not for $59.95, not even for $49.95 but for a special limited time for only $39.95.
If you act NOW I’ll slash another $10.00 off the already low price of $39.95. That’s a 50% savings! Get access for only $29.95! And you’ll receive a FREE bonus report! But you must ACT NOW! Imagine winning against a debt collector and walking away without having to pay $7,658.43. I did and you can too!
Here’s what you need to do. It’s very simple. Just click the “Get Instant Access” button to make a secured credit or debit card payment to receive your copy of “Beat Collections” and the FREE Bonus Report!
Friend, I highly recommend you to take advantage of this very special offer right now! Use my personal, documented experience as a guide to beat your debt collector!
Sincerely,
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** Important Update **
Another debt collector came after me for over $35,000. I will include their letters to me and my response that made them go SILENT in the FREE BONUS REPORT!
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