If You Are Being Harassed or Sued by Debt Collectors You've Come to the Right Place

You will find a lot of help here, including articles and videos that discuss the issues facing you from your point of view. This site is dedicated to helping ordinary people trapped by debt to free themselves.

If you have any trouble with debt at all you know that a lot of people are lined up against you. Most of the web sites you might go to for help seem to be run by the debt collectors themselves or their lawyers. Masquerading as "debt solutions" experts. Or offering advice—which is always to take your last cent and pay the debt collectors. You'd never know how many rights you have or what protections the system actually offers you.

You'll hear about those things here.

If You Are Being Harassed by Debt Collectors but Not (yet) Being Sued

You can get the help you need to turn that situation around. You may want to try my handbook for getting out of debt. It's called “Independence Day” because the day you take full control of your debts and free yourself from the harassing calls that make you afraid to pick up your phone without checking the caller i.d. first is the day you declare your independence.

If You Are (Already) Being Sued

If you are being sued, then things have gotten a little further along. But do not despair. Your chances of beating back the debt collectors are actually extremely good. You see, the debt collectors often institute law suits without having the documents they need to win the suit and prove the debt. They can get away with this because around 80% of the people being sued by debt collectors never take any action to defend themselves. These people are making one of the biggest financial mistakes they could ever make, chaining themselves to a debt they could have eliminated. Making it easy for the debt collectors to swoop in and grab their bank accounts or their wages without notice. Financial destruction is a hair's breadth away...needlessly.

You can prevent this from happening to you, and my Litigation Materials will show you how.

Take a look around the site. Read some of the articles. New information is regularly being added to the site, so bookmark it and plan to come back.

Sued on an old debt?
Credit card problems?
FED UP? FIGHT BACK!

THEY'LL TELL YOU TO GIVE UP

—You're Small Enough To Fail

Remember how it was a few years ago? Every day you got three new "pre-approved" offers for new credit cards in your mailbox. The banks were only too willing to give you a huge credit line. And if you missed a payment every now and again?

Nooooooo problem! You'd get even more offers of pre-approved credit. Remember?

None of that was an accident. They wanted you paying fees—you know that. And they wanted to bump your interest rates from the "teaser" rate to 15, 25 or even 29% A couple of weeks ago I read an article about a credit card company planning to charge 79%! What a rip-off!

Sounds like the Mafia! But title companies could teach even the Mafia a thing or two: they sometimes charge close to 500%!! I had a client who borrowed $50 and in three years got sued for almost $10,000.

They are doing this to people.

They lured Americans into over ten trillion dollars of consumer and credit card debt, and they were happy to crush you with that debt, destroy your credit rating, harass you with constant phone calls. Now they're dragging you into court.

But when the banks themselves needed money to pay their billion-dollar bonuses? When some of those loans they so recklessly hawked to an unsuspecting public went bad enough to hurt the banks? They ran to the federal government and got TRILLIONS of dollars in bail-outs. Bernanke. Obama. All the politicians who couldn't care less about you couldn't give them our tax money fast enough. Bail-outs that protect the banks from the very debts they're busy ramming down your throat now.

And you'll be paying for these bail-outs for many, many years. So will your children.

What a scam.

I Can't Help You Stop The Bail-outs

There's nothing I can do to help you stop the bail-outs or the banker bonuses, although I sincerely wish I could. There may be nothing we can do about all that.

But I can help you not to have to pay the debt collectors now.

Not many lawyers do this kind of law, and most lawyers like to get paid more than you can afford to pay. Unless you sell your first-born...

Where do you go for help? You're here! Check out the resources and find what you need to protect yourself.

Better yet, go now to the Limited time special offer. It contains all the help you need to fight the debt collectors in court right now.

Pro Se Defense

“Pro se” means representing yourself. Many people represent themselves pro se in debt collection cases.

Lawyers often like to say that, “a person representing himself has a fool for a client.” That could be true for cases that involve complicated law or confusing facts, or for cases that will need a great deal of courtroom drama.

Fortunately the law in debt collection cases is not complicated, and the facts are usually simple and dry. As a practical matter, most debt collection cases are won outside of court in the “discovery” phase of the case.

If you conduct energetic discovery, chances are good that you will drive the debt collector away.

Very Old Credit Card Debt

Sometimes debt collectors harass you for debts you don’t really owe. They hope to scare you into paying either by bugging you with phone calls, threatening letters, or even filing suit. Don’t cave in. Fight.

The right to collect any kind of debt has a life span known as its “statute of limitations.” In some states the debt is considered “revolving credit” and has a relatively brief statute of limitations (could be two or three years), while in others it’s considered a “contract” subject to a much longer statute of limitations.

Whatever the statute of limitations, though, debt collectors will often harass you in an attempt to make you pay long after the time has passed.

The first thing you should do when a debt collector calls or writes is demand that they “validate” the debt.

Even a spoken demand on the phone will theoretically work under the FDCPA, although it’s harder to prove than a written demand.

If you make the request, the debt collector must "validate" the debt and let you know before it takes any further action against you. Although validating a debt is easy, the request itself is sometimes enough to get rid of the debt collector. Maybe they think it’s a sign of bad things to come.

If the debt collector keeps trying to collect the debt, whether it’s past the statute of limitations or not, you have a good chance to defend yourself even if you can’t afford a fancy lawyer. Take a look at the materials here for more help and resources.

Statutes of Limitations

Every debt has a natural life span known as its “statute of limitations.” The limitations period is the amount of time the company has to sue you. That’s how long the debt collectors have to bring suit against you after you have “defaulted.” In other words, it is your failing to make a payment that starts the clock running in cases like this. You reset that clock every time you make another payment, which is one reason debt collectors will sometimes take small or token amounts of the money they claim is due.

Collecting on an expired debt is just one of many acts that are considered “unfair” under the Fair Debt Collection Practices Act (FDCPA). If this is happening to you, you can defend yourself even if you can’t afford a fancy lawyer.

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