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W ho's Suing You?
Junk Debt Buyers and Consumer Debt Lawsuits
If you've recently discovered that you're being sued over an old debt, you're probably feeling pretty overwhelmed. The first thing you need to know is this: Being sued in court over consumer debt does not mean that you're a bad person. Furthermore, you have plenty of rights, and there are ways to reach a positive outcome. Like the majority of people who are sued over old debt, you're probably being sued by a junk debt buyer.
What is a Junk Debt Buyer? Junk debt buyers are firms that buy old debt from credit card companies and other lenders. While they primarily purchase old credit card debt, they occasionally buy old auto loans, retail loans, telecommunication bills and other debts. In most cases, they buy these debts for pennies on the dollar. Once they own an old debt, they generally do whatever it takes to collect on it.
A few of the big names in the junk debt buying industry include LVNV Funding, Encore Capital Group aka Midland Credit Management aka Midland Funding LLC, Atlantic Credit and Finance, NCO Financial Systems, Asset Acceptance Capital Corporation, Unifund CCR Partners, G.P., Palisades Collections, LLC and Westport Recovery Corp.
How Junk Debt Buyers Operate...There is a limit to the amount of time, money and effort that the average credit card company will put into attempting to collect a debt. Once a company builds up a large enough number of uncollected accounts, they bundle them up into portfolios and put them on the market for sale. They are sold to the highest bidder, which is typically a junk debt buyer. Junk debt buyers then engage in many different methods to collect these old debts from consumers like you. They are counting on the fact that consumers often need to clear blemishes from their credit reports and are often willing to pay old, mysterious debts without question.
Junk debt buyers engage in a wide range of shady practices in their attempt to collect old, charged-off debts from consumers. Lawsuits are among their favorite tactics. The fear of a lawsuit often frightens consumers into blindly paying on old debt. There are other options, however, and you should not allow these companies to intimidate you or back you into a corner.
Exercise Your Rights...As a consumer and a Defendant, you have rights and protections under the law. Figuring out, understanding and exercising those rights is usually easier said than done. That's where The Defense Guide comes into play. This handy guide provides step-by-step instructions on handling consumer debt lawsuits, including court forms with helpful notes, and real-world case examples that demonstrate how to fight back against junk debt buyers. The Defense Guide is available for a very low price, it downloads instantly, and it can save you a lot of money.
What Can You Do?
With the troubled state of the economy, more honest folks than ever are finding themselves trapped by high consumer debt, unsure of what to do next. Big businesses around the country use aggressive methods to intimidate people who, due to changing economic circumstances, find it difficult or impossible to pay their off their debts. Some of the threats that they make to intimidate debtors into paying off their debts are legitimate; others are complete lies and must be challenged by the facts.
The most important thing to remember about consumer debt lawsuits is that because they are not criminal cases they cannot result in jail time for anyone involved. Many aggressive lawyers and companies will strong-arm people into paying more than they can afford by implying that they will go to jail if they don't, but these are lies. These lawyers often use such fear tactics when confronted by weak cases in the hopes that you, the Defendant, won't challenge their claims.
Most consumer debt cases follow a predictable pattern. After the barrage of threats, creditors will present their case to you in the hopes of forcing you into an unfavorable settlement. If this doesn't work, the next step is the courtroom. Again, consumer debt is not a criminal offense and thus cannot result in jail time for Defendants, but there are still consequences to losing a case in court. These include wage garnishment, where the court allows creditors to take a percentage of your paycheck each week, as well as bank account garnishment, which allows creditors to take monthly withdrawals from your bank account.
If a judgment is awarded to the Plaintiff (they win the case against you), and they cannot collect money from you, the next step can involve going after your “real property”…cars, houses, and anything else with a significant resale value. This action often hurts more than wage garnishment, and can further erode your financial position. After all, without a car to get to work and a stable home in which to raise your family, how are you going to get ahead?
There’s an alternative to all this: fight their backhanded tactics with the facts, and don't settle on their terms. You are only in a position of weakness if you allow yourself to be. Take steps to fight back from a position of strength by using The Defense Guide, the premier guide to understanding your lawsuit, and the tactics you must use to fight the charges against you. Countless people just like you have already discovered The Defense Guide. Get yours today, and get back on the road to financial independence!
What is "The Defense Guide"?
The do-it-yourself guide for Defendants targeted by debt collectors. Developed from years of legal research, and my personal experience of being sued by a debt collector. The easy to read format is designed to educate Defendants about their legal rights, and guide you through the process of a consumer-debt lawsuit.
The Defense Guide translates complicated legal procedures into simple, easy to understand instructions. It contains extensive legal research on consumer debt lawsuits, and is designed to educate Defendants about how to represent themselves in court without an attorney.
The Defense Guide is built to help you learn easily, and act fast....Developed from a textbook/workbook educational approach, The Defense Guide will walk you through the real-world steps to fight back. It's a time-tested system that's worked for Defendants across the country!
 ACTUAL CUSTOMERS talking about "The Defense Guide"...
 "I just want to express my sincere thanks for your help. I received a summons in Oregon from a debt collector, they came out of nowhere suing me and I had no idea what to do. I searched the web about the company suing me, and most luckily found your website popping up again and again. Your guide is amazing. Every question I had was answered, and every step explained. My case was dismissed, and they collected nothing from me. You’ve paved the way for people like me, who don't know anything about the court system."
-Matt | Defendant in Oregon
 "I was served papers in Tennessee to go to court for a $6000 debt Midland Funding LLC said I owed. I thought for sure I was going to have to hire an attorney. At first I was very nervous about going to court, so my husband began researching this type of case and found your website. We were hesitant to purchase the guide, but decided it was a small investment compared to the amount Midland Funding was trying to collect. Once we started reading the guide, it became very clear you know what you’re talking about! The guide not only walked us through the steps needed in order to win, but kept us in a positive state of mind throughout the process. You really understand what it’s like to go through a case like this. We went into the courtroom this morning and the judge said my case was dismissed. The attorney gave up and filed for the dismissal before the trial. What a feeling! I want to extend my sincere thanks for making it easy for those of us that can’t afford an attorney, and don’t know about legal procedures."
-Renee | Defendant in Tennessee
"Thank you for your help, I COULD NOT have won without your guide! I've read great things about your website online. Continue doing what you do. You are really making a difference in people's situations like my own."
-Jessica | Defendant in California
"Your guide helped get the lawsuit against me dismissed. I went to court and just like you said the attorney on the other side asked me to speak in the hallway. He told me I was going to lose my case if I went back into the court to defend myself. 5 minutes later, the judge not only dismissed my case, she commended me on my paperwork. Thank you!"
-Tony | Defendant in Texas
"Your information guided me in the right direction, and my case was dismissed. I would have never known what to do or even where to go. I wanted a way to fight back and I found it. You are a good person for helping others, I wish nothing but good things for you."
-Steven | Defendant in Oklahoma
"The day I got served with a lawsuit I was at a loss for words. I had no idea who this was and why they were suing me. I immediately did a Google search and came across a forum where many people in my situation were talking about your website. It was obvious you knew what you were talking about, so I bought the guide. I was guided every step of the way with all the legal paperwork and what steps I needed to take next. My case in Arizona was dismissed. I would recommend your guide to anyone in similar circumstances - I really would have been lost without it. Thank you so much!"
-Socorro | Defendant in Arizona
"Everything you wrote about played out to a T while I was in court. The lawyer came prepared for a default judgment and was caught off guard when I came to defend my case. The lawyer dismissed the case! I would recommend your guide to anyone facing a summons."
-Noah | Defendant in New Jersey
“WE WON WE WON WE WON WE WON.............................................
The lawyer for Midland Funding came in and tried to make a settlement with my husband, my husband told the lawyer he wanted it to go before the judge. When the lawyer started talking to the judge he was speaking a bunch of legal mumbo jumbo, so the judge looked at my husband and said, sir what the lawyer is trying to say is that he has no proof that you owe him the debt so he is basically throwing in the towel!!!!!!!!!!!!!!!!!!!!! YES you are AWESOME. Your guide was a lifesaver to us......................there is no way to say thank you enough for sharing this knowledge. From now on I know how to handle all this and to not be scared just handle things calm, cool and collectively! Thanks again!”
-Leslie | Defendant in Florida
"Case dismissed! Thanks for providing instructions on what to do when all those legal papers came. Best money I ever spent!"
-Wallace | Defendant in Alabama
 "I just wanted to say thank you your guidance with my junk-debt lawsuit in Minnesota. They came out of nowhere suing me and I had no idea what to do. I contacted them to inquire about the case and my options, and was quite close to settling with them. Then I found your website on Google and have to admit, I was a bit reluctant to pay for your guide. However, I realized it was a lot cheaper than what they were trying to get from me so figured it was worth a shot. They dismissed my case! Your package was a lifesaver! I truly can’t thank you enough! Good to know there are people out there like you who don’t charge and arm and a leg to help those of us who don’t have a clue. Thank you again!"
-Lori | Defendant in Minnesota
"In the mail yesterday, I received a notification from the law firm that was suing me that they dismissed my case! Woohoo! I would NEVER have gotten a dismissal without your guide. Thank you for giving me the power to fight and win!!!"
-Noelle | Defendant in Ohio
 This comprehensive kit explains what to do from START to FINISH:
- Easy to use step-by-step instructions for consumer debt lawsuits
- Real-world case examples to help guide you through the process
- All court forms, and documents for all 50 states + my informative notes
You, me, EVERYONE - we all have the power to fight back and claim our peace of mind. Take the guesswork out of your legal battle, and turn your situation around with the time-tested power of "The Defense Guide"...
    
"Thank you so much" "You are very knowledgeable" "I fought and won"
"Case dismissed" "Victory" "You are AWESOME"
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