Fight Debt Now
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Have you ever wondered why debt collectors typically call so many times before they sue you? You know it isn't really because the collector likes you or has a soft spot in his heart for you, right?
Have you wondered why, even after they filed suit, they would usually willingly settle for less money than they're suing you for? Again, you have to count your personal charm out of the equation. They're probably not doing something special for you individually.
So why do they do it? The answer is easy: they would much rather you gave them your money than have to work hard to get it. Proving you owe somebody money in court can be hard. Finding a person's job or bank accounts and collecting that money can be harder.
The dirty little secret of debt collection is that it's much more about economics than "law" or anybody's "legal rights." Sure it's difficult for you to find a lawyer familiar with this area of the law, and if you can find one it's almost impossible to get him or her to represent you at a cost that makes it worth fighting.
What the debt collectors don't want you to know is that it isn't cost-effective for them to sue you, either! If you fight even a little bit, it will cost them more to keep going after you than they stand to win. They don't want you to know you can turn the tables on them--even without an attorney.
They try to use fear tactics to make you give up and hand over the cash. They won't tell you they can't garnish your pay check or take your bank accounts unless they already have a judgment against you. They won't tell you something else you should know either--that if you give them a "consent judgment" as part of a settlement, they can immediately take your paycheck and bank account if you're even a day late on a payment. These guys don't play, and they won't wait--even a single day. They won't tell you that they'll charge you attorney's fees and trash your credit report even if you give up. No one will tell you that the debt collector's fees almost never go up--even if you fight.
They won't tell you that if you know how to fight you'll have an excellent chance of making them go away or winning the suit. That's what drove me to create this site and these products. It's about time somebody told you the rest of the story.
For more information on how this works, read my eBook, Fight Debt Now Litigation Manual- How to Fight Back If You're Sued by the Debt Collectors.