FightDebtNow

If you're being sued by debt collectors
you've come to the right place

At this site you will find numerous resources including articles and videos that discuss various litigation issues from a debt defendant's point of view.

In the "Products" section you will find a litigation manual and forms package that will give you a systematic and thorough view of the debt litigation process, including the materials you will need to understand the lawsuit you face and to defend yourself. All in plain English. You don't have to hire an expensive and hard-to-find lawyer who specializes in this kind of case. You can do it yourself with Fightdebtnow.com

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

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? Don’t Cave In!

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 is 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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