Debt Collection Lawsuits are fairly easy to win especially if the Plaintiff happens to be a Junk Debt Buyer.

Debt Collection Lawsuits are on the rise as consumers face tough times paying their bills due to economic pressures.  People who are not able to pay their bills are defaulting on their credit cards.  Banks, after notifiying such people after a few months just give up and charge off the debt and sell it to another “lender”.  This “lender” would be a junk debt buyer.

As banks would just call you to tell you that you are behind on your bills or to work out a payment arrangement it becomes a whole new ball game once the Junk Debt Buyer owns your debt.  PROVE IT PROVE IT PROVE IT is all I have to say!

People out there need to know their rights when it comes to these Scum Sucking Junk Debt Buyers. I have been reading for the past hour or so actual attorney blogs stating that “ABC” bank got fed up with John Doe so they sold the debt to “DEF” Junk Debt Buyer and now “DEF” Junk Debt Buyer will prevail in the lawsuit and they should basically fold.

What garbage.  The attorneys writing that crap probably work for the Junk Debt Buyers.

Everyone out there needs to know that yes the Junk Debt Buyer does have the right to collect the debt but they  need to prove it.  If someone defaulted on a $25,000 credit card and the Junk Debt Buyer became the assignee of the Original Creditor they cannot simply just say hey John Doe you owe us $25,000 now pay us.

That Junk Debt Buyer would have to first contact you to let you know that they bought the rights to your account. 

They would have to prove a Valid Assignment which lists your account number on the Bill of Sale proving that they own your debt and have the rights to collect on it. 

They would have to evidence the Cardholder Agreement from the year you had your account with the original creditor to prove the interest rates, that they have the right to collect that interest, that they have the right to collect attorney fees, that they have the right to collect period but most importantly you would want to see what State Governs the Contract per that cardholder agreement to see if the Statute of Limitations would prevail seeing both you and the bank agreed to those State and Federal Laws.

I know this because I have prevailed in a Court of Law 4 times over with Junk Debt Buyers and Original Creditors mind you and have WON all of my cases so I do know what I am talking about.

I have had a Cardholder Agreement stricken from the record. I have had an affidavit stricken from the record. I have had every single one of my cases dismissed because I chose to fight these guys back. 

So my rant for today is to all those lawyers who have stated on their blogs that Junk Debt Buyers will most likely prevail in a court of law to stick it because I have been there first hand and fought these jerks back and won.

I am here to tell you that if you are reading this right now the only reason you would lose in a court of law is because you chose to GIVE UP. You chose not to fight them back.  You all need to realize that these guys need proof to back up their claim and just want you to default so that they can garnish your wages and checking accounts.

So pick yourself up, brush yourself off and fight them back and make them prove every single thing they are accusing you of doing up to the penny. Push for paper after paper after paper and exhaust them! They don’t like people like you who fight them back.

You want your check to be garnished? You want to have them freeze your bank account? Then keep listening to all the negative people out there telling you that you don’t have a chance. And simply default on your lawsuit.

Want to win? Simply fight them back and make them prove their claim.  I know if some guy came knocking on my door and told me I owed him money I most certainly wouldn’t cut him a check until it was proven to me that I indeed do owe him that money.

Don’t you ever give up and fight them back!