This comprehensive kit explains what to do from START to FINISH:
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 do-it-yourself guide for Defendants facing a civil lawsuit. Created from years of legal research, the easy to read format is designed to educate Defendants about their legal rights, and guide you through the process of a civil lawsuit.
The Defense Guide is built to help you learn easily, and act fast....using a textbook/workbook educational approach, The Defense Guide will walk you through the real-world steps to fight back. It's a proven, time-tested system that's worked for Defendants across the country!
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.
Who'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. Also, you're not alone...millions of Americans are being victimized by lawsuits like just yours. Furthermore, you have plenty of legal 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.
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 large portfolios and put them on the market for sale. They are sold to the highest bidder, which is typically a junk debt buyer.
Exercise Your Rights...As a consumer and a Defendant, you have rights and protections under federal law. These rights grant you more power than the attorney suing you - think about that. Figuring out, understanding and exercising your 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 in a lawsuit.
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 off their debts. Some of the threats used to intimidate debtors into paying off their debts are legitimate; others are completely false 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 this is not true. The lawyers for junk debt buyers 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 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.
Proven System for Lawsuit Defense | Time-Tested Power