DON'T PAY DEBT COLLECTORS EVEN IF THEY SUE YOU

[@originallonewolf6643]

Yeah he right I just looked at a letter I got from them jerks and the whole account number is not on there 😂😂 thanks big homie much respect

[@jairawls7235]

I was sued and literally forgot to show up to court because there were no notifications. Long story short, the case was DISMISSED because the collection company had NO RIGHT suing me for monies I never owed THEM! They violated my rights and got a copy of my documents WITHOUT my permission. The court decided against them. 🙏🏻💯

[@jairawls7235]

#thecreditrepairshop Can I sue this collection company for violating my privacy rights? If so, what monetary compensation should I seek?

[@jessicamariabelmes1622]

IT IS THE PEOPLES TAXES , INCOME AND PROPERTY TAXES AND THEIR MONEY AT THE BANK THEY USED TO LEND TO PEOPLE AS CREDIT CARDS, LOAN MORTGAGES N STUDENT LOANS.I LEARNED IT FROM MARK KISHON CHRISTOPHER HES A CHIEF FEDERAL POSTAL POST JUDGE ON PLANET EARTH

[@jessicamariabelmes1622]

IT IS THE PEOPLES TAXES INCOME N PROPERTY TAXES, THEIR MONEY AT THE BANK THEY USE TO LEND TO THE PEOPLE AS CREDIT CARDS LOANS, MORTGAGES MORTGAGES, STUDENT LOANS, CAR LOANS, .IT IS THE PEOPLES WHO GAVE THEIR OWN GOVERNMENTS WHO GAVE THEM THE CREDIT WHICH IS THE TAXES.THE GOVERNMENTS ARE THE DEBTORS N PEOPLES ARE THE CREDITORS

[@datnursenicky3022]

Wow!!! What a backfire!! I'm glad it worked in your favor?

[@DemonSlayer9166]

I hope in my cases is dismiss also, I was sued but a collection but nothing nevered happened. I haven’t heard anything yet it’s been like 3/4 months now .

[@kenoturner5882]

I just agreed to pay a debt lawyer who was suing me for $11,000. I settled for $7000. I have to pay on 26th. I signed an agreement to pay. I wish I would have found you first

[@XitlaliVillarruel]

Me tooo!! I wish I could have done more research!

[@KinneyRich]

@@XitlaliVillarruelwhat happens if you started paying and found out about this man videos then stop to send a debt validation before the fact of knowing your rights

[@malayaanderson8222]

I’ve had a account sold twice, the first company couldn’t get ahold of me and sold it to another company. I hear they buy it for Pennie’s on the dollar, which is good for them, because I’m not paying them. Only way I’ll pay is if I’m court ordered, but a lot of third party companies don’t because it costs them money.

[@francisvaliente599]

Lier

[@banjoist123]

And even if you do pay them, it will not change your credit standing with the originator. They've already written you off as a bad debt and taken a tax write off.

[@leeketner6488]

I have not ever paid a third party debit collector, due to the fact i did nkt enter into an agreement / contract with them. Also, they took it upon themselves to buy an old debit and took the risk of getting paid. Now i am loder, i don't have debit problems.

[@pearlsdaughter2281]

loder???

[@BawkBawkBawk666]

​@@pearlsdaughter2281Older. Wasn't hard to decipher

[@TWHISPERER]

No one tried to sue you?

[@DJRaDz]

They key is how you answer the summon to the court! You must write a response! in most States you must do it in person! In the response letter you must write an answer to each allegations on the summons to appear. And the answer must be the same for all allegations! I wrote on my response the following: I John Doe do not have the sufficient information to accept or deny this allegation I wrote the same thing for all 4 allegation on the summons then I had to send the attorney a certify mail copy of the answer and wait for the court day! The day we had to go to court, I showed up to court early to dispute the debt with them because they have the burden of proof! To my surprise they didn’t even showed up in court. Moral of the story: if they know you know your right! They won’t bother with going to court because they know they will have to proof the allegations which they won’t be able to do if you do the right thing. So just make sure you answer the summon to appear in court and show up with a smile to court! 90% of the time they will not show up and the case will be dimmised!

[@jusshy]

My new mortgage servicer is a debt collector, says so On the statement they started sending. I assume the fdcpa goes for them as well. I think I get intimidated because it’s my home, but I know I should challenge them. Is that really all you wrote in response to their summons? You didn’t state any laws statutes or acts to go along with it?

[@jason67823]

@@jusshy In the case of your home, you may find it worth it to spend a few hundred dollars to consult with a lawyer. If your lawyer shows up in court and they don't, well, it is normally an instant win for you.

[@annag5642]

@@jason67823False, the moment I hire a lawyer you give away your rights to defend yourself! You should really learn your constitutional rights from a living wo/man standpoint!

[@AlstonSD]

Yes I agree this gentleman is a very calm and nice speaker but it’s always better to just get to the topic!

[@calliopivogiatzis2235]

My husband is over 70. He had cancer,works 1 to 2 days a week,receives s.s and pays a mortgage. There's no way he can pay a debt from over 20 years ago but this is what's happening now. They're going afterr him with court papers. If they try to freeze his account,they are in for a war!

[@americafirst9144]

I understand that Social Security checks cannot be garnished. They can't go after retirement accounts.

[@jessica_adriana]

You can fight old debt , google how long they can harass you it depends per state and it’s called a state of limitation and the most is 7 yrs depending per state

[@FCS81]

20 years old its not a valid debt. Sue them for harassment.

[@latinsizer]

20 year old debt? The most I heard is 7 years before they can't do anything anymore.

[@pixulkid]

Sounds like a scam. Check the statue of limitations.

[@bernardberryman4228]

I like you you have a honest spirit that's rare these days ty

[@CaseLawLegal]

I would recommend consulting an attorney if you are being sued for credit card debt. Many people don't pay dents then have their wages garnished or bank accounts frozen. Please don't confuse credit reporting with the legal side of debt. Not paying a debt is a breach of contract and can lead to serious legal issues. There are ways of dealing with creditors legally. In many cases having competent, well qualified legal counsel can help.

[@RotterStudios]

Once they sell your debt to scum bag collectors, they lose. You never agreed to, or had an arrangement with that debt collector. They took the chance when they bought your debt.

[@jillybean4899]

My God man! You are so generous with your knowledge ..thank you so much 💜

[@tonyaburnside1037]

Third-party debt collectors when you never had a contract with that company as fraud to legal they can’t do it they do it but you can call them out on it.

[@MrKsan05]

Sir I know this is a 4-month-old video but I go to court this Tueday against LVNV and they have a lawsuit against me for almost $8000 from 2015. I never heard anything from them until I was given the lawsuit paper and they sent nothing but a bunch of itemized papers, a paper from a woman who works for them saying it is correct and they even went so far as to print out a letter from the original creditor saying this is all correct, but it isn't even signed by anyone. I'm going to fight it and I've learned so much from your channel, you have been a big help to me and I thank you so much for what you are doing.

[@KidFromQueens]

Well how did it go??

[@deedee2timez675]

I would like to know also

[@MrKsan05]

@@deedee2timez675 I lost, they had sold the paper to three different junk debt buyers, and I ask for proof of ownership because the only thing they had given was an affidavit by a woman who works in their billing, the judge would not allow this. I ask for paper showing the correct amount and presented papers showing a different amount by $1900 less than they were saying, the judge went with their paperwork. I asked to be able to confront the woman who made the affidavit in court and the judge said she did so under penalty of perjury and that was enough, motion denied. They added 35% to what they claimed was the original Ballance and then also added 25% for court fees. we went to court three times, so I will be paying on this for the next 6 or 7 years. In the end the judge gave them a judgement against me. I am on disability and own nothing, when I made the debt, I wasn't married but the company has now got court order for $94 a month to be taken out of my wife's checking account to pay the debt. The judge said I live in a state where my wife shares any and all debt so it doesn't matter than i am on disability and live check to check. I really got railroaded but I could not afford an attorney. I applied for the free legal help, and they said I qualified for assistance. The lawyer did nothing, he talked with me four times before the case, said he was to busy to go to trial with me and I would have to do it by myself and also said I should settle before court because they had an affidavit and would win. the outcome would have been the same if I wouldn't have even shown up, I do not feel I was given a fair hearing and was railroaded but that is the way it happens when you are poor and don't have money. the rich get richer and poor stay poor.

[@MrKsan05]

@@richbowie76 Who is in jail? What are you talking about? Are you sure you are on the right comment and didn't make a mistake?

[@richbowie76]

@@MrKsan05 just a joke nothin to worry about

[@jackieisbell7456]

Thank you so much for sharing your knowledge with us Sir !

[@jacquelinemanzano9328]

Thank you for sharing. I agree with you, Debt Collectors use word salad to communicate with us. because they operate in a world of offer and acceptance. I just read Spears v. Brennan The debt did not arise out of the transaction creating the debt

[@boshenaw.929]

Thank you for the information SO MUCH! I wish I found you sooner to put me on the right track as my case is in court in 2 days, but luckily, I am already questioning the validity of their assignment of debt, so I can refine my defence now. I had a quick look and found that it seems to work in Australia in a similar way. I am not excited to see what happens at court!

[@boshenaw.929]

Unfortunately, I just checked and the bank changed their agreement, which they sent to me saying that they might disclose my personal information to debt collectors and since I did not object, I apparently accepted it. So, it seems that it does not work in Australia...

[@RotterStudios]

@@boshenaw.929 always trickery and games.

[@deeboy4378]

I've always just ignored them, don't answer no calls, don't open no mail, don't open the door for anybody you don't know. . . Always worked out pretty good for me.

[@lilianaguilar463]

Yeah that's what I did then a policeman come to my house with a court order :/

[@Shawn-xg1ow]

That can work, that can also get you with a default judgment. Almost happened to me. 😬

[@datnursenicky3022]

Not good advice. If you don't open the letters, you will get a default judgment. How are you gonna know if they sue you or not and when to appear to court?

[@King_by_nature]

I am currently being sued by Midland Credit Management, and been receiving mails from different attorneys. Someone even knocked on my door to “deliver a package” and asked for a signature, not being in uniform and although I’ve never ordered nothing.

[@TheCreditRepairShop]

The person coming to your door is a summons process server. The mail is coming from attorney hoping to represent you. They got your information from the court reports showing you are getting sued. You need to get on this because you could get a default judgment. Go to my website and live chat me.

[@King_by_nature]

Will do now

[@Ambition_kels]

@@TheCreditRepairShopI’m having that same issue currently and don’t know how to go about it

[@RotterStudios]

Thank you sir! I've started the ball rolling. As of now I have not answered the phone. It's been about a month or two. Do I keep ignoring and blocking the calls? At what point would I respond regarding their failure to secure documents? Or just ignore them.

[@TheCreditRepairShop]

If you've sent the the Certified Debt Validation and they haven't responded. Next time answer your phone and notify them that they are in violation because you've requested they send you documentation about the alleged debt. If you have the tracking number from the post office mention it during the call so you have it on record. Next you should resend your Certified Debt Validation and update that you sent before with the tracking number info and that you notified their representative during a call from them. Add that if they cannot validate the debt with all the documentation requested they should cease collections and remove any notation from your credit reports. If you didn't do the Certified Debt Validation go ahead and do that now and when they call again notify them with the tracking number. thanks Steven A Williams

[@dougbillman2333]

Hey ya all.. research public law 73-10 and public law 73-1, all Americans have limitless credit. So says these two public laws..they came from house joint resolution 192, in 1933… all Americans have limitless credit, these are laws folks, not codes, rules, ordinances, mandates, policies… etc… THESE ARE LAWS, public laws…..

[@thingstoknowbytimothyp1225]

❤Thank you for taking the time to slowly explain this process to me and explaining other options in case one didn’t work. I Love it ❤🎉

[@ianc279]

Debt settlement works for me and my credit is great. Thank you !

[@MrsGee2014]

SIR, you are a GODSENT!! I just came across your channel. I was so shocked and unaware at the twisted and sneaky practices debt collectors use. A family member has been summoned to court NEXT week but we didnt know ANYTHING about how to respond. Should he bring a written response stating that he does not have sufficient evidence to confirm the debt allegations? Need your help FAST😮. Thanks in advance.

[@karimumorgan3447]

Great information! I went to court 3 weeks ago. I asked the attorney for the collection attorney if they had documents stating that they own the debt. He told me that people do not have to do that anymore. He said that signed documents was requires years ago not now. We have to go back to court in Jan because I didn't agree with what he was saying .

[@TheCreditRepairShop]

That is not true. They must provide an Affidavit of Sale BUT!!! if they don't have that you can use that in your Affirmative Defense and they will probably dismiss their case because if they don't have it they don't have proof of ownership.

[@mick5740]

@@TheCreditRepairShopif you already answered the suit is it too late to use that as a affirmative defense ? I sent answers to court and the law firm and now the law firm sent me copy’s of credit card statements and what I thought was a bill of sale. They also saying I should call to discuss that their client is flexible and lienient and that we can avoid court

[@sweetcapricorn]

@@mick5740they want to settle out of court cause they didn’t do something right and hoping you don’t find out or know already

[@calliopivogiatzis2235]

Even during the pandemic these collections were relentless to get their money!

[@neowuwei7851]

Just demand they provide a copy of the contract, with your signature on it, where you agreed to pay them. That contract does not exist.

[@82_KID]

Yes. Debt collections were allowed to continue as "essential activity" under that scam. Yes.

[@FindingNomad]

Great information. Thank you! Do you have any videos on how we approach all this if it hasn’t gone to a 3rd party collector?

[@neowuwei7851]

This guy takes a long time to explain simple concepts. Basic contract law only applies if you sign a contract with them. When the debt collector buys your debt from the original party you owe, there is NO signed contract between you and the new debt collector. Just ask them for a copy of a signed contract between you and the new debt collector where you agree to pay them. That contract DOES NOT EXIST. End of case and any obligation you have to pay them.

[@simplybeautiful4741]

Even so, it's his channel. Why project trying to attack his technique to get a message across? There are different learning styles and those who understand him well have no issues.

[@Indominus_Lupus]

I received an pre legal email from a collection agency demanding a full payment of my 10k loan debt. Calling the agency and asking for a signed contract end the chance of a court summons? My credit can burn but I’m homeless for the last 6 months. Just found a job and I start Monday. But it’s minimum wage and enough to eat and keep working. I’m terrified of wage garnish or bank freeze.

[@montecarlo9580]

He said it better than you. And he made a lot of extra serious points relating to the Subject Matter that you fail to mention.

[@Jennyk448]

I wish this was the case with me. I sent the same letter, but the sent me a summons for a suit. Good times! @@Indominus_Lupus

[@coredadventure1]

What happens to your credit score though if you don't pay it? That's my main concern right now

[@shilohbell1573]

What if they sue you and win? I turned in a response showed up to court, and it was all for nothing, the judge just favored 100% in the collector’s favor. It was very disheartening.

[@TheCreditRepairShop]

You're next step would be to either Motion to Set Aside the judgment or move to settle.

[@shilohbell1573]

@@TheCreditRepairShop thank you. They said they will work with me.

[@shadybaez8154]

Same thing is happening to me, and I was already working with a debt settlement, their only offer through this agency was for me to give a lump sum of basically the whole amount, nothing less.. so, now I am looking to see what my rights are or what to do.. because they did sue me within the statute of limitations of my state. Plus, I have nothing they can put a lien to.. I am wondering how to proceed.

[@7339memo]

Congratulations finishing your office 🎉

[@TheCreditRepairShop]

Thanks its giving me a new motivation I'll show it in later videos.

[@Steve-ry6kl]

I’ve got summon papers from capital one. I agreed over the phone to make payments to avoid to go to court but I don’t know if it’s a third party collector suing me or my original party. Should I just pay or take other steps in handling this ?

[@TheCreditRepairShop]

Capital One hires attorney's to sue, you should stick with the deal unless you have money to settle for less with a lumpsum payment. Its harder to win against the original creditor. Not impossible but a lot harder. You made a good decision.

[@waktosha7378]

The only problem is that they still put their charge off on your credit report! I have had the same debt passed on from one debt collector to another and ended up having 12 charge offs, and the credit reporting agencies refuse to take off those fraudulent charge offs from my reports!

[@Jimfromearthoo7]

What are books?lol

[@jessica_adriana]

You need to watch videos on how to dispute all of that I did follow everything the videos said and my credit is at 600 again and it was so low at 400 because of my cc debts

[@georgevanvalkenburg2560]

EXCELLENT INFO: SPOT ON AGAIN . . . .THANK YOU!

[@TheCreditRepairShop]

Your welcome.

[@Katelyn-l3j]

Hi. Does this apply if it is a debt-collecting law firm? The bank still owes the account with my debt. Thank you.

[@TheCreditRepairShop]

If the original creditors still owns the debt collection attorney is still required to perform a full debt validation they cannot take the word of the original creditor. They are still bound by the FDCPA - Fair Debt Collections Practices Act.

[@damoneymaker]

Wealth of knowledge. Thank you for your channel!

[@TheCreditRepairShop]

THANKS!

[@terrellsilver3903]

Hello 1st time seeing your video. I’m being sued by a debt collector. I’ve been to court 3 times so far. I have to go back in January 2024. What I don’t understand is why the debt collector keeps pursuing the case & I’ve already told & showed them that I’m on disability. I’m debt proof against debt collection. When I go to court in January, I’m gonna ask the judge to dismiss the case. It’s ridiculous to keep pursuing a debt collection from a debt proof debtor.

[@klp9979]

Very good information, this should help alot of people

[@DivineAwareness88]

I hope my question gets answered. Im being sued by a debt collector and attended court yesterday. The law firm who is suing me was absent & had a mystery person attend in their behalf. He didnt want to disclose who he was to me when I asked. Is that legal? Much appreciated!

[@jlobroyles]

Did you ever get a response on this? How did the lawsuit turn out?

[@Nitrowheels-qo3kv]

Yeah no response on this

[@karlbergen6826]

I wonder how many are homeless because of improper collection proceedings. Something to think about!

[@garyhall6294]

Another great video. Could you please explain again when the statute of limitations begins?

[@TheCreditRepairShop]

From the Charge Off or Written Off date shown on your credit reports. Sometimes it could be reported later so you should contact the original creditor also to make sure if you are close by a month or two from being past the statute of limitations to collect.

[@shalondatownes6010]

Statue of limitations start from the date of last activity not when it was charged off. So if your last payment was 10/01, SOL would start once your 30 days late. (11/01).

[@FFxBurner]

Congratulations on the new office! How should you respond if you sent the debt collector the statutes of limitations letter that says that the debt is expired and they just respond with a statement? Should you go debt validation process or send another statute of limitations cease and desist 2nd attempt letter? Thanks for all you do!!! GOD BLESS

[@TheCreditRepairShop]

First you have to make sure the debt is past the statute of limitations to collect in your state. If it is send the letter back to them notifying them again that they can't collect on the debt due to the statute of limitations for your state. Also put in the CC bottom of the letter notifying the collector that you are sending the letter to the department that regulates debt collectors in your state or state attorney generals office.

[@FFxBurner]

@@TheCreditRepairShop Thank you for your feedback. So just to be clear. 1.) Send a 2nd attempt statute of limitations letter with the CC bottom 2.) then send the letter back to them and send it to the state attorney generals office certified mail. Am I correct ?

[@Karan-xw9jy]

What if you are being sued by original creditor (Chase Bank) and not being offered any settlement?

[@TheCreditRepairShop]

They will offer a settlement but you have to challenge the suit first. If you don't make the attorney handling the case do any work they will just try to get the entire amount.

[@JudyLamb-j8c]

I learned that my debt has a third-party and they took money out of my bank but when I challenge them that they’re at the 3rd party and this debt been sold ….not once but twice at the debt collection agency promised to put everything on hold so what does that mean once I told them I would not email them the information I will put it on the court docket once my answer was completely finished with the court.

[@jerrellhoggard6599]

In Virginia Beach district Court I don't know what kind of tricks going the judge did not preside over any cases.we had to put our name on paper and some women speaks to you for under a minute tells me I have to pay .I never saw the original price they paid .someone needs to investigate this one women had tons of papersdidn't let me fill out an answer sheet.

[@TheCreditRepairShop]

You have a right to respond to the summons, did you get a copy? Also what ended up happening?

[@jerrellhoggard6599]

They never told me how much they purchased the debt for

[@cloud9photography126]

HOW TO ACTUALLY GET BAD MARKS OFF YOUR CREDIT REPORT you send them a certified letter demanding an agreement to payoff terms, and demanding that once you pay them off they WILL remove the marks from your report within 30 days. when you get the agrement letter back agreeing to the terms, THEN pay them...if they dont remove the bad marks after 30 days...DISPUTE the bad marks and send copies of the promise letter of debt paid off that you got back from the debtors to the 3 agencies and BAM!! bad marks off...100% Guaranteed EVERY time....THIS is what all those credit repair people wanna charge you 300 bucks to learn.....your welcome.

[@charlesshook5834]

if you agree to anything like that it starts your debt clock over so if you only had 1 year left out of 7 years you will be back at 7 years again this guy is a stupid

[@britbrit8]

You never pay a debt collector. 😂

[@annag5642]

You’re insane! We never ever pay collections because we are the creditors. Learn your rights and read up on HJR 192, you obviously have no clue what you’re saying and misguiding ppl when life is already hard enough today!

[@Ramcat_Vlogs]

I got a letter in the main yesterday from a lawyer of a 3rd party debt recovery company. They claimed they put a judgment against me in my area. I called the clerks office they told me the company put in a $183 judgement against me almost to the day 1 year ago. It was my first time hearing about this what should I do ?

[@TheCreditRepairShop]

Negotiate to pay it and have the judgment withdrawn. Don't let a $183 case hold you back. If you were a victim of ID Theft file an appeal with the court if you still have time to get it reversed.

[@DarkreignStudio]

Best advice!!!!

[@angeld1191]

What if they deny being a third party collector and claim to be suing you on behalf of the original creditor?

[@TheCreditRepairShop]

They can be hired by the original creditor to collect. If so, you should move to a settlement phase unless you believe there were provable issues with the account that the original creditor didn't resolve. But still the end result will be settlement or potential 1099c cancellation of debt if you have a financial burden that can be proven to the original creditor.

[@lindakay1700]

Thank you…

[@skybiz4520]

@Angel D @@TheCreditRepairShop There are all claiming to be presenting "Original Creditor" while Charge-Off procedure says otherwise. Ones Debt Charged-OFF then it has to be Transferred to Other Party, yes it could be Within Same "UMBRELLA" but this has to be SEPARATE Entity, because Original Entity already Received "TAX CREDITS" and Cannot claim LOSS, because Account is now have ZERO balance (in order to Charge-Off account must be first Credited with Internal Credit), that's how "LOSS" can be realized and claimed on TAX RETURN.. So NOW, that Account NO WAY have "Balance due" and Amount of loss must be Transferred to other Entity.. These liars then SELLING DEBT to LAW FIRM for Penny on the Dollar and Signing "FAKE VERIFICATION" stating that BANK verifies that it is true and correct.. :))) 99.9% that they first CHARGE-OFF, then claim "loss" which is DEFRAUD IRS.. Like ones they received TAX CREDITS they cannot Claim LOSS again, especially "Same Amount".. So what do you have for that situation???

[@cassie101]

​@@TheCreditRepairShop Can you file for 1099c on your own?

[@Sponsorship4u2]

@@TheCreditRepairShop This is extremely helpful info! Thanks so much for sharing all that you do! Much appreciated

[@Jowamana]

My 17 year old was made to sign an agreement online for job leads. That was in January. He never got leads anyways for lawn mowing business. I cancelled his bank cards and that’s the reason they couldn’t take any money from his account. This month of august he got a letter from collections. He is now 18. Stating that he owes $700. What to do ignore the letter

[@TheCreditRepairShop]

No don't ignore it, speak to them showing the job leads didn't come through as advertised in the agreement. If they can show they did come through you can offer a settlement. If not request they cease collections based on that. Regardless you have to talk to your son about making a settlement don't let $700 effect his credit and moving forward they will probably settle for 1/2 off right away.

[@SixJuanFive]

Mann I'm from Tennessee and they never gave me a chance to defend today was the day I went to court and they tried to see if I own anything but now it's like a waiting game

[@darkfangbluez7904]

I’ve heard this doesn’t apply to Florida residents, is that true? Or can you still get them to stop dept collections with the letters even in Florida?

[@anhelinabodnar1066]

Thank you!

[@cougarlove8542]

I have an expired lien the creditor is trying to revive in Georgia. It was my old company that I sold but I signed as a guarantor on the original debt. The lawsuit was won in 2012 and my company, my ex partner and myself where sued by a company (not the individual owner) that was administratively disolved in 2015. My ex partner said he negotiated a settlement on his behalf and I tried to do the same years ago but the guy that owned the company did not agree. I am going to argue against the writ of scire facias and ask for a jury trial. We will see if they want to continue this stupidity.

[@Renny30]

Can u still use the affirmative defense and privacy claims if u didn't file an answer? I went to court and asked for time to retain counsel, didn't see your vid until now. And if it is too late cause I didn't file an answer, how much should I offer as settlement on a 3,400.

[@TheCreditRepairShop]

You have to file the response to the summons and include your affirmative defense with privacy claim. For settlement start at about 25% and see what they say.

[@Renny30]

@TheCreditRepairShop Is there a time limit to filing an answer? (And thank you so much for even responding) hitting the like and subscring now. People need knowledge like this.

[@enjoy7024]

Very good! Thank you!!

[@coolhluke8089]

I got sued I challenged the amount and the 3rd party debt collector submitted an itemized list of every purchase I made. I never signed anything.

[@coolhluke8089]

I found this in the Upstart privacy policy... Investors may purchase your loan directly from us. We provide information about you included in your application, including personally identifiable, financial, and credit information, and your loan terms to these investors and their agents and trustees in advance of their purchase of your loan.

[@datnursenicky3022]

Now what?

[@jariuswilson2751]

I have a friend who got a default judgment against her due to no response to defend herself against the debt collector. She ended up submitting her defense too late and even though the judge did say "There is no evidence that this debt is yours" the judge also said that she was late in her response and the judge did not have time to look over her defense so the judge granted the judgement. Would an appeal be ideal? Even though it is very expensive or should we file something to tell the judge that he was wrong and need to change his decision? Thank you in advance !

[@calandraglenn3447]

Im interested in this reply. I have something going on like this

[@bestvideos7494]

You have to make the appeal strictly about the summary judgment. The courts favor the resolution of a case over summary judgments. However, you have to have a legitimate reason why you didn't respond.

[@heretolearn641]

@@bestvideos7494 what if you never received a summary judgment when you received the summons to appear in court?

[@cromleyluxrecorporation4071]

You need to vacate the judgement

[@CarloSpicola-dv8kf]

You are right on the money because I have had 3party debt collectors trying to tell me exactly what you're saying I don't know how to defend against it I do need your expertise I know that you could handle this , I would be forever grateful.

[@jwalka534]

What happens when a court appointed receiver terminates the receivership???

[@HollyMusic72]

My husband got sued by a lawyer who bought his debt. He ended up getting judgment and is now trying to garnish his wages. It sucks.

[@HollyMusic72]

We responded to every letter, but he still got judgment. It didn't work for us.

[@TheCreditRepairShop]

When you say you responded to every letter, please clarify did you submit an Affirmative defense against the summons allegations they served you with?

[@HollyMusic72]

We first responded to the summons that we didn't have enough information on the bills owed to make any admission, and also that we had no signed contract with the plaintiff who purchased our debt. He (the lawyer) then after 3 months went by and no other contract, he sent us another certified letter from the court showing a hospital worker signed off on our debt and an affidavit of judgment granted by a judge. I questioned the letters so we called the courthouse and they confirmed it was real. He then sent us a letter not certified saying he was in process of getting a lean on our home and garnishment of my husband's wages. Thats been 2 months ago and now we haven't heard anything again. ​@TheCreditRepairShop

[@TheCreditRepairShop]

Ok when you respond to a court summons you have to answer the allegations and also present an Affirmative Defense. The Affirmative Defense is what will make the debt lawyer have to do their homework to prove their case, because you are expressing the problems you see with their case. Your options could be to reopen the case or to contact the attorney for a settlement. How much is the debt? Also to all everyone reading this...if you ever get a Medical Bill collection letter you should immediately send a Certified Debt Validation to the debt collector requesting a document allowing them to have access to your medical information. HIPPA does not allow anyone that you didn't authorize to see any medical procedures you've had without your written permission. Thanks Steven A Williams

[@HollyMusic72]

What will allowing them to have access to my medical records do? Wouldn't that work against me in court so now they have permission?​@TheCreditRepairShop

[@criticalthinker7822]

Hello. My woman and I were already paying off a broken lease. Then the debt went to a third party called Professional Debt Mediation Inc. They arent crediting the amounts we already paid to the owed debt. I have receipts and bank statements showing we were paying. What do we do please?

[@donew1thita11]

If they freeze your bank how are you suppose to pay bills ?

[@TheCreditRepairShop]

They have to allow you a certain amount of money to pay some bills. The laws vary from state to state. The problem is they will take all the money and make you have to go there hell to get what they shouldn't have taken back.

[@RockabillyQueen]

you get a prepaid debit card. They can't do anything with them

[@jwalka534]

Yea. I didn't give them permission to sell my debt...🤣

[@neowuwei7851]

And the new debt collector has NO contract with your signature on it to pay them back.

[@hanginheadz8135]

What if it’s not a debt collector but a lawyer representing the original company the debt was held with.

[@TammyJ7628]

thankyou for your advice

[@TheCreditRepairShop]

Welcome!

[@RuthBatAbigail]

Thank you so much for so much valuable information!

[@TheCreditRepairShop]

Welcome

[@aaronbritt1886]

Most creditors have documentation. I know mine did. By law they have to show you proof of that doc's if you ask for it. When you get sued you have to answer the letter to the courts or they will garnish your paycheck. Then you either settle your debt or go to court. Its a nasty process. Midland credit has there crap together unfortunately.

[@bossmaster489]

I settled in mediation. 50 a month. Im tired.

[@TammyJ7628]

good luck

[@TheCreditRepairShop]

Keep moving forward you're moving to a better day and you'll always rebound and get your energy back.

[@Shulonda]

I need your help! Do you help in the CT area?

[@addhoardingprocrastinator]

and what happens when they garnish your wages, and you can't afford the amount they take.

[@addhoardingprocrastinator]

@@ChelyLasVegas yes. And they are lawyers, that is their job. They won't hesitate.

[@MyMelanin]

Ch. 7 or 13

[@cassie101]

My mother is 63 and on socially security disability and have creditors after her...What can she do because she can't afford the extra interests added because she is way behind and can't afford payments? Thanks in advance

[@TheCreditRepairShop]

She needs to inform them that she is on disability and will not be able to pay it back. You mother is exempt due to social security.

[@cassie101]

@@TheCreditRepairShop What proof does she need to show them for it to be exempt ? Thank you 😊

[@TheCreditRepairShop]

Contact the creditor they will tell you what they require as proof. Some will just allow verbal some require documents.

[@promyntheus2782]

The IRS is a third party debt collector for the Federal Corporation situated in the District of Columbia known as the "UNITED STATES".

[@TheCreditRepairShop]

They get away with it as a department of the united states.

[@v8zcar]

Do i request this information with "motion of discovery"? Or do i simply title my response "affirmative defense "?

[@TheCreditRepairShop]

In your summons response you'll have a section for Affirmative Defense thats where you'll state your arguments against their case.

[@v8zcar]

@@TheCreditRepairShop so I would include that in part of my motion for discovery? Thank you sO much 💓 🙏 God bless you brother

[@v8zcar]

@@TheCreditRepairShop do you have a website I can learn from? Do you offer templates for purchase?

[@v8zcar]

@@TheCreditRepairShop can I hire you to put together my response? I need to respond by the 3rd, I believe. Thank you again, God bless

[@dnyce909]

Im not sure i was sued by a debt collection agency,and it seemed like it was a lawsuit that they would have won,all the court papers were there,im in California so not sure if there are different rules.

[@TheCreditRepairShop]

You need to check it out. The only way they can sue in another state than you reside in is if it was a business loan.

[@FrankieWilson-sd8dp]

Two questions. Does the summons have to be handed directly to the defendant and can a husband or wife stand in for the defendant?

[@TheCreditRepairShop]

In most states they only have to attempt delivery or give to a person in the home that is 18+.

[@texaswolf5334]

I went to court today and my case was not on the docket so I talked to a clerk and he looked it up and gave me a judgment that was signed 7 days prior to the court case in the plaintiffs favor can I do anything about that

[@TheCreditRepairShop]

Yes Motion To Set Aside the judgment, you had a right to come to represent yourself.

[@texaswolf5334]

@@TheCreditRepairShop What should I do now

[@Tricebbt632]

Thank you

[@roberthickey186]

How do I get a hold of you

[@TheCreditRepairShop]

www.thecreditrepairshop.com click on live chat leave a message.

[@garysarnowski3113]

If the statue of limitations in your state expires your debt, then its done. Dont have to talk to secondary debt collectors. In my case, everything went bad in 2018, date of last payment to multiple creditors. Now its 2024, PA statue of limitations is 4 years. The charge offs come off in 2025.

[@TheCreditRepairShop]

No you don't.

[@TheCreditRepairShop]

You do need to notify them that it is past the statute of limitation to stop the process because they can try to collect they just cannot sue you. When you notify them they will know you know and that will stop them from attempting to collect from you.

[@creativetips97]

The universe doesn’t validate anything. God confirms his Word for our lives.

[@thomascoleman2714]

Your gonna get these people sued

[@CalvinCarter1989]

I shouldve had a jury with my response.

[@Brazilian202]

Too bad that I just saw this video. 😢 I’ve already made an agreement.

[@RockabillyQueen]

Where is the original signed contract agreement, where is the assignment of the debt from the original owner, where is the contract that I allowed my personal business info to be sent to someone else and it violates my privacy, I never signed a business contract with you. Print these out on one page, bullet style format and hand it to the judge.....

[@TheCreditRepairShop]

Yes you can do it that way or get prepare it in a more formal way. Sometimes the court will disregard because it was not done in the formal way that documents should be submitted in an answer to a summons.

[@utexasnurse5401]

The credit card company sold out to another party without notice and I couldn’t pay it How do I approach this I’m being sued

[@alysaseanbasa]

Just received a motion for summary judgement- they included a bill of sale and affidavit. Does that make it legal? Can I still respond with an affirmative defense requesting they provide the documents as you mentioned? Please help. Thank you!

[@TheCreditRepairShop]

It does make it legal, and you have the right to establish an affirmative defense based on the documents they supplies and documents you can request to establish their entire claimed amount you owe.

[@alysaseanbasa]

@@TheCreditRepairShop I sent my info over to your team. I’m hoping I can get some help with the affirmative defense. Also, would contacting the debt collector to settle be a better option?

[@sxy2c78]

@@alysaseanbasa what was your outcome?

[@maninabosworth900]

I paid the consultation fee just now. What email address do I send you the summon documents?

[@TheCreditRepairShop]

[e-mail]

[@adeola5401]

They didn’t send me any document in my summons . Just paragraph of what they think I owe .

[@lavernfrancis2081]

Well you need to add UCC Redemption to your arsenal. That’s money well spent.

[@dianasteele4370]

What about if they take ur home of 23 yrs old and alone and debt collector is selling my home out from under me

[@Maria-uf7hn]

What? Oh my Lord!

[@airheadusmc3821]

What state are you in there's homestead exemption

[@tsunami770]

Even if they sue you? So that they get a default judgment? How is that good advice?

[@TheCreditRepairShop]

Because you have the right to challenge all the documents to make them prove the claimed amount in the court summons. They are required to provide how they came up with the amount by providing documents showing exactly how the amount was accumulated not just old statements. Actual accounting records and transactions. If they don't provide it the case will more than likely get dismissed by the collector or the judge when the documents that are requested to be provided are not provided. There are also "Bill of Sale" and "Conformity" documents required and I've seeing a lot of summons coming through without them. The get away with it simply because people don't know their rights and what to ask for when being sued. thanks Steven A Williams

[@tsunami770]

@@TheCreditRepairShop In NYC what they have going is a settlement operation. I saw it happen where the "court attorney" and the plaintiff just gang up on you!

[@alexsherel3344]

If you owe the money, pay it. Simple as that.

[@stephengarrison8027]

if you dont have the money or the skills to make xtra money how can you pay it? your a idiot to say that!

[@jomac8101]

No

[@cnvi08]

This is not 100% true. In most states the collector can garnish your bank acct or wages if you fail to respond to the complaint. Check w a lawyer before u follow this advice. Filing bankruptcy is the only legal way to avoid paying debt.

[@MarvinColeman-f6u]

I need your help with a third party debt collector

[@nadzsmiley9296]

Can I get your service in Maryland or can you recommend a debt lawyer here? I can't get any lawyer who is willing to help me.

[@rachealwilson4676]

I was issued a final judgement court order do I have to pay?

[@kw3039]

I need help I have a judgment against me and the debt collector is coming for my bank account need your help please 🙏🏽

[@TheCreditRepairShop]

PLEASE IMMEDIATELY go to my website click on the livechat we need you to upload the judgment documents to see how we can help. Anyone that has gotten a recent judgment please do that, it is possible to have it Set Aside if you move fast. www.thecreditrepairshop.com

[@reesascott5832]

How do I get access to garnishments account numbers, as different collection agency on my credit report for the same accounts that have already been collected through garnishments and pay offs through a lawyer and the courts

[@Ori024]

You are saying dont pay but they can garnish your wages and take your taxes right

[@vicmez8271]

Hello , my name is Victor. Being sued CAVALRY SPV I and... my Q. is on the account number in lawsuit is redacted, but is showing on credit report, not all just 1, nowhere else. Does that mean that they most likely have the full number or was it put there by original creditor? Been on my reports months before , never saw that full number till recently. How will I know you will see this comment soon. Where will I find your answer? It's not much but I do want to donate, because you are very thorough on your vids.

[@TheCreditRepairShop]

Usually they don't have the complete account number and that would make your rights to review unavailable. You have the right to review everything including the full account number. Even if they are able to provide the complete account number you should still get all the charges, payments, credit, rewards, etc. for the account from day one for you to review.

[@magharchana5580]

Then what should be done?

[@TheCreditRepairShop]

Respond to the court summons!