When I first was served I didn’t know what I was doing and I went to a Message Board for help.

I asked a few questions and got ALL WRONG ANSWERS.

I ended up researching for countless hours and reading my Court Rules over and over again until I fully understood them.

I won 3 cases and put a package together to help others so that they are not stuck wasting their time with countless hours of research, stress and being scared on top of it.

Now because I asked a few questions on a Message Board I received a PM over at that message board today from someone with the nerve to tell me that I copied his/her crap and to never ask for his/her advice again.

I thanked that person for their time in answering my questions and this person assumes that they won my cases for me.

My beef today is that this person’s answers to my questions were totally wrong. This person told me to Answer my Summons, file a Memorandum, to ask for a Motion to Dismiss in my Prayer, and so many other things that were totally wrong. This person messed me up from the beginning and yet has the balls to PM me and tell me not to ask for their advice again? NOT a problem seeing everything they told me was wrong to begin with.

My advice to you today is if you are visiting message boards you better do your research when people answer your posts and make sure the advice that they are giving you is the right advice.

The advice I received was all the WRONG advice and could have cost me my case.

Take it all in stride, do your own research to prove that the answers they are giving you are the right answers and do yourself a favor and do not ASSUME that just because you received some advice from a message board that it is the RIGHT advice.

Have these people gone through what you are going through? Do they know your court rules? NO they don’t.

So be careful out there. Do your own research, learn your own court rules. All of your answers to your questions lye within your own Court Rules.

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Let’s say you defaulted on a Credit Card about 5 or 6 years ago, or really the date doesn’t matter. The Original Creditor Charged it Off and sold it.

Let’s say the limit was $500…………they probably sold the debt for $10 to the Agency and now the Agency has tacked on Late Fees, Annual Fees, Attorney Costs etc., and will sue you for $2000 PLUS.

Are you seriously going to let these aholes do that to you? Make them prove that they own the debt, chances are they CANNOT.

They have literally thousands of people that they go after daily. You my friend are just a number. They are hoping that by suing you that you don’t respond and they will get a default judgment against you.

Please look around this site, comment if you don’t understand something.

YOUR LOCAL COURT RULES will save you!!! Especially under Written Instruments, Assignment, Affidavit (Hearsay), Your Court Evidence Rules.

Search, Search and keep on searching within days you will feel like a lawyer! And you will beat them.

Don’t respond? Kiss your wages and your bank account good-bye.

It is considered an OPEN ACCOUNT in most states. You would have to check your Local Court Rules to see what your State Considers a Credit Card…………

You know before I knew what there is to know about a Credit Card Lawsuit I would search all over the internet.

Especially hound the Message Boards.

Please keep in mind that half of those people are a bunch of TWITS who don’t know chit. Yes, they tend to help. But most just preach laws from their own states and figure that their laws are your laws so you can really mess things up if you don’t know what you are doing.

Once again, read your OWN Local Court Rules and take it from there.

Never copy anyone elses Motions or anything. Just use them at your own Discretion and edit your Laws.