When working with a credit card collection lawsuit you should keep in mind it is not a question of do you owe the credit but a question of do they have proof that you owe a debt? When any person commences a lawsuit it is up to them to provide absolute proof of whatever the lawsuit alleges and with card debt it is really impossible to prove.
Collection lawsuits as a rule begin with a threat and that must be your wake-up call to stop the alleged credit once and for all in a court of law if it gets that far. If you supposedly have $20,000 on a credit card it will be your chance to make $20,000 by ceasing it legally.
There are two aspects you will need to beat the collector before court. You should learn Modern Money Mechanics and get it into your head that the bank did not loan you any money. Once you have this information settled in your head you will have no “moral troubles” beating the collector and you will realize why there is no proof.
The next thing you will need is the Fair Debt Collection Practices Act which will lay out detailed information about what you need to do to force the opposition to make actual proof that you owe something. If you perform these first steps fight there will be little chance of a credit card lawsuit.
Young attorneys generate their money standing before a judge for hours getting “default judgments” rubber put by a judge. Default judgment simply implies a collection letter was sent and there was no response. No evidence, no proof to a collection letter and now the debt settlement attorney will own you.
You should answer such little collection notices in writing by registered mail with return receipt to save yourself from a default judgment. When lawyers see this demand for proof they as usual send the collection notice back to wherever it came from because they understand they cannot win.
Collection attorneys usually receive approximately $50 for sending you the collection letter then go to court and stand there for hours processing hundreds of letters as quick as he is able to hand them to the judge to be rubber put “guilty” because no one took the time to answer his notice in writing.
Sometimes several young attorney in desperate need of cash to pay his student loan for law school will commence a lawsuit. Laywers cannot testify to the facts of the situation. This imples that you must demand a witness that has actual knowledge of your alleged debt and that is not going to occur! You win!
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