Credit Card Debt Lawsuits – Avoid First But Beat It Easily If One Is Filed Against You

Credit card debt lawsuits are being filed by the thousands and new volume records are set daily. Avoiding a lawsuit in the first place is best but if one is filed against you they are relatively easy to beat because neither the banks nor debt collectors can show proof that any money was loaned or any credit given to you for a card account. QBF scheme

You see card companies and banks are not operating according to the legal laws as set forth by the Constitution but are instead operating by presidential decree signed by President Wilson in 1913. If you wish to do some research on this topic use the search term “John F. Kennedy vs. The Federal Reserve” to see proof they are operating illegally and if you really want a mind blowing experience search “the gig is up – money the Federal Reserve and you” presented at the University of Colorado School of Law.

You needed this background history lesson so you can now confidently proceed with your life and stop paying your card accounts immediately. After six months of nonpayment, whether by your choice or if you were forced into it by the banking system that produced this recession, fivem host the bank must write off your card account and that’s the end of it. The bank sells your account information to a debt collector that will harass you over the phone and then send a collection notice saying basically if you don’t respond in 30 days then you are guilty.

Responding to a collection notice is the first step in avoiding a lawsuit. When you demand proof of debt, the collector must respond. Usually they will send old account statements which legally prove absolutely nothing. You must now send a second letter telling them they have not met the burden of proof at which time you again demand legal proof of actual damages.

You will probably not get an answer to this second demand within the 30 days allotted so you will send a third letter stating they have not yet provided you with any legal proof and you will consider further communications from them to be nothing more than harassment and if they do continue the harassment, you will take legal action against them. Generally this will stop their collection effort and the beaten collector will sell your account information to another collector and the entire process will begin again. You must repeat the demand for proof letters. You can expect this process to repeat up to five times.

On occasion your account information may be kept by the original bank and they will turn your information over to a debt collecting attorney that will go through the same process again. Seeing that you have knowledge of the legal system he may attempt to frighten you with a lawsuit. He will file a complaint against you in the County of your residence. You must file answers to his complaint with the clerk of court and send the attorney your answer by certifying that you have placed it in the US mail.

Usually the attorney will include an out-of-state affidavit by someone claiming to have personal knowledge of your account and it will always be notarized by the same notary the card companies use in these mass filings. This affidavit proves absolutely nothing. File a motion to strike career opportunities this witness because they are not available to be questioned which is your right by law. By filing the correct answers to your lawsuit it will become apparent to the other side that you are far too expensive to actually take to trial. Expect the other side to file a voluntary dismissal. Once again the bank may hire a different collection attorney and the whole thing starts again. You repeat your actions to the new lawsuit.

The state you live in will have its own set of rules on the proper “form” of how to submit your responses to the court. Many times you can find this information on the Internet or you can make a trip to the clerk of court where the action was filed against you. You will find these public servants most helpful in the clerk’s office and they will be happy to share their knowledge with you because you choose to represent yourself.

Hiring a local attorney to defend you can be extremely expensive! You may be charged in the neighborhood of $750 per response letter and if a lawsuit is filed, you can expect attorney fees to increase to the point that you can’t afford them.

If you feel overwhelmed about how to get started defending yourself against a credit card debt lawsuit, there are affordable legal courses that will show you everything you need to know. If you don’t have enough time to educate yourself you can find programs that do it all for you from beginning to end. Just don’t make the mistake of doing nothing!


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