When dealing with a debt collection lawsuit you should keep in mind it is not a question of do you owe the credit but a question of can they prove that you have a debt? When someone files a lawsuit it is up to them to furnish absolute proof of if the lawsuit alleges and with card debt it is virtually impossible to prove.
Collection lawsuits usually begin with a threat and that must be your wake-up call to stop the alleged debt once and for all in a court of law if it comes so far. If you supposedly have $20,000 on a credit card it will be possibility to make $20,000 by eliminating it legally.
There are two aspects you will need to beat the collector before court. You must learn Modern Money Mechanics and put it into your head that the bank did not loan you any money. When you have this information embedded in your memory you will get rid of “moral problems” beating the collector and you will understand why there is no proof.
The next thing you will have to do is the Fair Debt Collection Practices Act which will lay out in detail what you should do to force the opposition to make actual proof that you owe something. If you do these first steps fight there will be little chance of a credit card lawsuit.
Young attorneys make their money standing before a judge for hours receiving “default judgments” rubber stamped 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 attorneys see this requirement for proof they usually send the collection notice back to wherever it was from because they know they cannot win.
Collection attorneys usually get about $50 for sending you the collection letter then come to court and stand there for hours processing hundreds of letters as fast as he can hand them to the judge to be rubber put “guilty” because no one took the time to respond his letter in writing.
Sometimes several young lawyer in desperate necessity of cash to pay his student loan for law school will file a lawsuit. Laywers cannot testify to the facts of the situation. This imples that you shoul demand a witness that has actual knowledge of your alleged debt and that is not going to occur! You win!