Fight Your Debt Collection Lawsuit Back & Win!

I was sued by Collection Agencies and Junk Debt Buyers and instead of calling them up and settling with them which is exactly what they want you to do, and instead of not Answering my Summons I chose to fight them back and guess what? I won every single case that was against me.

How did I beat these Collection Agency Lawsuits? 

I researched for months on end and learned how to beat these guys at their own game. After I won my first lawsuit things became easier after that. I even beat Capital One Bank for over $2,000.00 while telling their Attorney to stick his settlement and I’m not folding.  Capital One was the Original Creditor by the way not some Collection Agency or Junk Debt Buyer.  When I was served by Capital One I said to myself that I was going to take them as far as I could and that’s exactly what I did to where they ended up just GIVING UP and I won.

I have saved close to $30,000.00 by fighting back Collection Agencies.

Once you have been served by a Collection Attorney regardless if it is an Agency or a Junk Debt Buyer in which they are representing these unethical companies are hoping you do 1 thing and that is NOT Answer Your Summons.

If you do not answer your summons that’s an easy win for them and they will get a Default Judgment against you. Once they have their hands on that Default Judgment they will come after you for every cent you’ve got.  Freezing your bank account, getting a Court Order for a Garnishment Hearing which will order you to come to court and give up your Employer, where you bank etc.,  Some however will simply send Interrogatories out to all the banks in your Neighborhood if they hit the right one by law the Bank must tell the Company that you bank there and with that information the company who has the Judgment will show the bank and they can legally freeze your bank account within seconds.

Collection Agencies and Junk Debt Buyers

One thing that I have learned from all of my research is that you have to all keep in mind that Collection Agencies and Junk Debt Buyers buy Debt Portfolios by the Bulk.  There are literally thousands of people out there just like you who are listed within these Debt Portfolios so you are basically just a number with a lot of interest. 

Most Agencies will start to call you and if you pick up the phone they’ve basically got you right there. They now know that this is your home phone number and you live at the address they have on file. This includes people who send out Debt Validation notices. Once you send out that notice you’ve basically given up your address to these agencies and they love it. You’ve told them hey this is where I live. They can send you some crap answer to your Validation Letter and right after that expect a Lawsuit.

They want you to pick up the phone, they want you to answer your Collection Letters with a Validation Notice. All they have to do is send you basic information such as your name, address, the Original Creditor’s Name and the Amount owing to pass the Debt Validation Request. 

People should really think about sending Validation Letters out. Each and every time (before I knew better) I would send out a Validation Letter and within weeks of it was a KNOCK KNOCK KNOCK on the door and it was the County Sheriff handing me papers.

I bet most of you being sued right now have sent out a Debt Validation Letter or talked on the phone with a Collection Agency. All you did was confirm what needed to be confirmed, your address to be able to get served.

Now when I was sued by Capital One I didn’t receive any Collection Letters all I got was a lousy Summons and took it from there.

With Red Rock Lake Financial the same thing a Summons. I never heard of that Company Before.

LVNV Funding hired a law firm here in Indiana to do their dirty work and I nailed that firm to the WALL with my Answer to my Summons and my Motions to the Court.

What I’ve Learned About Collection Agency Lawsuits

I have learned how to file the correct way, all motions to dismiss, motions to strike, how to answer my summons with affirmative defenses, how to answer Discovery such as Interrogatories, Request to Admit (admissions), Request for Documents and I have learned how to send my own Discovery right back down their throats with Requests for Documents that I know they cannot possibly have.

I have learned to Destroy Junk Debt Buyer and Collection Agencies Cases right on the spot and my proof can be found here: http://www.howtoanswerasummons.com/howtowinjunkdebtbuyerlawsuit.htm complete with signed Court Papers by the Judges who presided over my cases.

Proving to all of you that I know how to Fight Collection Lawsuits and Win Them and now I am sharing all of my information with you so that you can all beat your Lawsuits as well.