Facing A Credit Card Lawsuit Alone?
You Need HELP!

The prospect of facing a Credit Card Lawsuit alone is difficult...But the fact you are searching for information shows you care, increasing your chances of success exponentially.

Before we get to far, we want to take this opportunity to introduce ourselves and welcome you to our site. We are not Attorneys nor are we giving Legal Advice.

We are a group of private citizens and Consumer Advocates...It has become our mission to show Consumers the truth about their debt and how others have successfully defended a Credit Card Lawsuit.

We understand the anxiety and uncertainty that comes with trying to defend a credit card debt lawsuit alone. We understand the question..."What do I do?"

Over the years we have had thousands of conversations and emails with people who have been sued for credit card debt.

Unfortunately most of those conversations take place to late. Some decided nothing could be done and don't respond at all, only to find out it's MUCH worse to have a Judgment entered against them.

Others have responded trusting information from amateur e-tips, e-docs, message boards, or chat rooms.

Once they realize they are close to defeat...We get an email that almost always starting in one of two ways.

First: "I wish I had found your site earlier."

Second: "I decided to use some other information now I don't know what to do...Can you help?"

After years of experience there are some facts that are sure to be true. NO ONE can figure out how to properly respond to the complaint in 20 to 30 days.

If you want to be successful you are going to need help...It is really that simple.

We have spent years investigating this process...NO ONE has spent more time, energy, or effort researching Credit Card Lawsuits... We know what works and what doesn't.

If you are serious about giving yourself the best opportunity to be successful...START NOW.

Start by investing in the education process. Information is the key and without it, you will most likely end up being another statistic...Probably sending us an email wondering what went wrong wondering if anyone can help.

Credit Card Lawsuits...
Don't make the mistakes of others!

Most people assume since they can't afford an attorney ..."nothing can be done...you can't fight a lawsuit on your own...why bother doing anything!" DO NOT MAKE THIS MISTAKE!

So...What are the mistakes others continue to make?

They assume it is to complicated...They assume law is to hard and they won't be able to understand...They assume it CAN'T be done.

Obviously not responding becomes the BIGGEST mistake people continue to make.

Rather than deal with the reality of trying to defend a credit card lawsuit alone. It becomes easier to put the lawsuit away and try to forget about what is happening.

Putting off the reality of trying to defend themselves is understandable.

But the longer you wait the harder it becomes increasing your anxiety until it is to late and nothing can be done.

If you learn one thing from this website it is NOT to make assumptions.

The truth is...If you can read you are smart enough to defend yourself. It is your right and the fact your are on this website shows you care.

So don't assume you CAN'T and assume YOU CAN.

Start by investing in the education process, this is the path ALL SUCCESSFUL pro se's have taken and it can be successful for you. Start by making sure you don't miss any deadlines and respond to the credit card lawsuit.

We cannot understate the importance of making sure you respond to the lawsuit. It is literally the first step in defending yourself and a proper response will give you a fighting chance at being successful.

However just responding is NOT ENOUGH. You need to know what to say, what not to say, and most importantly how to say it.

You need to see multiple examples of how successful consumers have defended credit card lawsuits.

You need to see how successful defendants answer difficult questions...And the best part is once you understand how to use the phrases that avoid anwering the questions

This is what we provide in the Credit Card Lawsuits Defense System...You will get to see first hand how others just like yourself have been successful.

This is how you become one of the few informed consumers...By avoiding the mistakes and pitfalls of others you give yourself the BEST chance at being successful.

The truth is you CAN defend yourself, and you CAN do it successfully.

By educating yourself and taking the time to become an informed consumer you can defend yourself successfully.

If you have been served a Summons, make sure to respond to it...Your circumstances can and will change, DON'T be another statistic and assume nothing can be done.

Our eBook provides a head start in the education process...Giving Consumers, who are defending themselves, a solution with INSTANT access, 24 hours a day, 7 Days a week.

Information is the key and without it, you will most likely end up being another statistic...Probably sending us an email wondering what went wrong wondering if anyone can help.

A Credit Card Lawsuit
And The Pro Se

When a Credit Card Lawsuit becomes reality, a Process Server will serve you a Summons along with a Petition or Complaint.

Most of the time, consumers have no idea they are about to be sued over credit card debt...But once you are..."What do you do?"

If you're like most people it's unlikely you can afford an attorney to help with a Credit Card Lawsuit. Most attorneys are expensive and have very little expertise or interest in helping "the little guy".

So what are your options?

First option is to DO NOTHING...And believe it or not this is the option most people choose...Only to find out later is it much worse to have a Judgment entered against them.

The next option is to represent yourself. This option can be scary as well, after all you're not an attorney, and you really have no idea where to begin.

We believe most of the anxiety people feel comes from the "not knowing"...Not knowing what to do, where to start, the general anxiety caused by the unknown!

However, just by being on our site and searching for information you are in the relatively small percentage of people willing to investigate.

Education and knowledge are going to be your biggest assets...Giving you the opportunity to be successful defending yourself in a Credit Card Lawsuit.

So lets start with the term Pro Se...This is the term used to describe people who are representing themselves in a court proceeding without an attorney.

Being a Pro Se can provide some advantages in a credit card debt lawsuit.

First, Collection Attorneys rarely encounter educated people representing themselves...Remember most people DO NOTHING!

Most people representing themselves continue to make the same mistakes...Gathering their information from chat rooms, message boards, amateur tips, or e-docs.

This becomes a tremendous advantage for people willing to fight and educate themselves.

Debt Collection Attorneys do the same thing day after day, filing the same lawsuits and continuing to pile up the default judgments.

It is extremely rare they encounter someone who is educated and willing to fight...So when they do encounter a sophisticated consumer, not only is it VERY difficult to get a Judgment it may not be worth the time or effort.

With this in mind the educated Pro Se's that learn as much as possible become extremely formidable achieving outright dismissals or greatly reduced negotiated settlements...Either way it is extremely beneficial to the informed Pro Se.

This is why we have created the Credit Card Lawsuits Defense System.

Our eBook is the most comprehensive guide ever created helping you become one of the few informed consumers responding to a credit card debt lawsuit. Providing a solution for Consumers with INSTANT access, 24 hours a day, 7 Days a week.

Credit Card Lawsuits
So What Are You Responding To?

When someone files a lawsuit against you they are referred to as the Plaintiff, you are now the Defendant (the defending party).

You should have received a Summons and a Complaint...You must respond in writing, in the same court the Plaintiff filed the Suit, usually within 20 days depending on where you live. That information should all be included in the Summons.

The Default judgment is a binding judgment in favor of the plaintiff when the defendant has not responded to the Summons or has failed to appear before a court.

When consumers fail to respond, or respond to the Petition/Complaint improperly, it sets them up for LOSING...Debt Collectors win again!

Judgments can last for as long as 10 years depending on where you live, so DO NOT let this happen to you.

Your circumstances can and will change...You do not want a Judgment, to follow you for any amount of time. This is where our system lays the groundwork for educated consumers to fight back.

First, lets explain what is happening. The Summons is stating that a Credit Card Lawsuit has been started, and a file has been created with the court clerk.

Generally, you will have 20 days from the time you were served to get your answer on file at the courthouse. You must also get a copy of the answer to the opposing counsel by delivery or mail.

Along with the Summons, you should have received a Complaint or Petition, depending on where you live it may be called either.

This is where the Plaintiff states, their cause for bringing the suit against you, and the relief they are seeking. They are also telling the court they have jurisdiction, giving the court power to act.

The most important step in winning a Credit Card Lawsuit, is not only responding but knowing how to respond to the Petition/Complaint. You need to respond in writing to each and every claim the opponent asserts in the Complaint.

For example, if the Plaintiff's Complaint has 8 numbered paragraphs, your response will have 8 answers...Each one answering and corresponding to the Plaintiff's claims or allegations in the Complaint...So your paragraph number 1 answers the Plaintiff's paragraph number 1, and so on and so on until completion.

Not only does the response answer the Plaintiff's claims, but you may want to assert your own statement of facts, along with affirmative defenses, and Affidavit.

Knowing what to say is as important as knowing what not to say...This is where our eBook will start providing the information you need to begin understanding how others have been successful.

By having access to our Sample Lawsuits and Answers you can start to see for yourself how others have succeeded and you can to.

If you want to avoid becoming another statistic, take the time to educate yourself...Our eBook will cut down that time to educate yourself, and provide the insight and knowledge that others have used successfully in a credit card debt lawsuit.

Never Release Personal Information
In Credit Card Lawsuits

If you have been targeted for a Credit Card Lawsuit...The collection agency or attorney feels you are a good target for a Lawsuit Over Credit Card Debt.

Keep in mind...They are trying to collect a debt from you, Do Not Help Them!

For example, never release or confirm any type of information...Such as place of employment, address, other contact numbers, names of relatives etc.

Don't Panic...These people calling you have NO authority and cannot make you do anything you don't want to.

These people will say anything to try and intimidate you so don't trust a word they say...Remember NEVER give any personal information about yourself over the phone.

So what do you say if a JDB or Collection Agency calls?

First get their information...Name, Address, Phone Number, and reason for calling.

Second...Tell them this is their Official Notice to Cease and Desist. In the future the only authorized form of communication is via written correspondence. Tell them you are noting the time and date and that future calls will be a violation of the FDCPA. Hang Up.

Third...Send them an official Cease and Desist certified mail. Stay organized and keep notes on all correspondence written or verbal.

Remember, never give any personal information out to ANYONE, especially over the phone.

Never acknowledge that you are responsible for a debt...It is an alleged debt until they can prove you owe it.

Take the time to educate yourself and stay organized...This is the key to winning Credit Card Lawsuits.

Finally, short of paying the alleged balance, there is nothing you can do to prevent a Credit Card Lawsuit...Remember, just because they sue you does NOT mean they will win.

In Credit Card Lawsuits
You Can Never Trust A Debt Collector

This is very important so we are going to repeat some information...NEVER acknowledge you are responsible for a debt and NEVER give out information on the phone.

Some of the underhanded tricks of the Junk Debt Buyers (JDB), Debt Collectors and even Original Creditors are:

(1) Scare Tactics-- JDB's will try anything to get you to pay...They will LIE, claim to be an attorney, threaten to sue and garnish wages, anything to get you to PAY...Don't be fooled!

You most likely are talking to a telemarketer who only gets paid...By getting you to pay...Don't believe a word they say.

Most, if not all of these tactics are illegal...They are doing nothing more than trying to extort money from unsuspecting consumers.

(2) Misrepresenting the Legal Status of the Alleged Account--These are NEVER honest mistakes, they are done intentionally to put pressure on you to PAY...Almost all of these JDB's misrepresent the legal status of their accounts.

For example, if your account falls outside the SOL (meaning they can no longer legally file suit) they may try to misrepresent the DOLA (date of las activity) or trick you into sending a partial payment to bring your account under the legal SOL so they can file a Credit Card Lawsuit.

Misrepresenting the DOLA and "open date" on a tradeline is very common and JDB's. Another common practice is to report the accounts as "revolving accounts" rather than charge-offs or open accounts.

Remember these are not mistakes it is just part of their underhanded culture and why you can never trust a Debt Collection Agency.

(3) Various Code Violations (FDCPA, FCRA)-- These Collection Agencies are bottom feeders and will stop at nothing to collect debts. This includes filing frivolous Credit Card Lawsuits.

It becomes risk management on their part. If they violate th Law in the process of getting you to pay...so what?

It is simply more profitable to violate the law. It is your job to make sure your rights do not get violated and fight back...This is where our ebook can help educate you, providing a clear idea of what it takes to defend yourself in a credit card lawsuit.

Credit Card Lawsuits and Junk Debt Buyers (JDB) seem to go hand in hand these days. These Collection Agencies have turned Debt Collection into a multi-billion dollar industry...JDB's are the major reason for the drastic increase of Credit Card Lawsuits.

So who are they? Junk Debt Buyers (JDB) are Collection Agencies who purchase "Bad or Charged Off Debt" from Original Creditors. However, it is not uncommon for accounts that have been charged-off to be bought and sold among JDB many times.

Many of these Collection Agencies will use any means necessary to collect a debt.

This includes breaking the Law. If a JDB is trying to collect an old Debt from you, be very careful in what you say or how you respond.

This is especially true, when it comes to Credit Card Lawsuits...The best thing is probably to not say anything at all!

Credit Card Lawsuits
And Debt Validation

For Consumers searching for answers to Credit Card Lawsuits...Debt Validation has to be one of the most misunderstood concepts out there.

Most informational sites, message boards, or E-Tips say this is a must. We assume the people promoting this misinformation, have no real understanding of how to defend Lawsuits Over Credit Card Debt.

Debt Validation will NOT keep them from filing Credit Card Lawsuits against you, and for the most part does very little in preventing illegal Collection tactics.

Debt Validation lets the other side know you may be an informed Consumer. However, we have heard from sources inside these JDB's...Consumer's requesting Debt Validation get "special attention" and may actually speed up the Collection Process on their part.

We are not big proponents of Debt Validation, either way, it will not prevent them from filing a Lawsuit Over Credit Card...Further, Debt Validation will have no bearing on the Lawsuit Over Credit Card Debt.

Now lets be clear we are NOT saying you should not ask for validation. However, you need to be clear that Debt Validation is not a defense to liability.

The Collection Attorney can simply say..."Mr. Judge even if we did violate the FDCPA and didn't validate the debt, that is a completely separate lawsuit from this one...it does not dismiss the Defendants liability in THIS lawsuit."

Simply put if they violate YOUR rights regarding the FDCPA, YOU have to file a separate lawsuit against them...It does not prevent them from continuing the collection effort in the current suit.

This is one example of why we have created the most complete informational eBook EVER CREATED.

Our ebook will provide the answers you have been looking for, and give you the peace of mind that comes with knowing, you have the information that others have used to defend themselves successfully.

The Credit Card Lawsuits Defense System is a comprehensive guide, providing detailed information, for consumers being sued for credit card debt. Providing a solution for Consumers with, INSTANT access 24 hours a day, 7 Days a week.

Credit Card Lawsuit Defense System
What Does This Mean For You

A lot...Just by coming to this site, you are doing more than most people. Taking the time to research and educate yourself is going to be the biggest weapon you have.

Unfortunately, you do not have an unlimited amount of time to sift through all of the misinformation on the Internet.

This is why we created the Credit Card Lawsuits Defense System...It provides consumers the inside knowledge that others are using to defend themselves successfully.

We understand how difficult it is to be sued for credit card debt...We also understand how difficult it is, to find information about a Credit Card Lawsuit on your own.

You can literally spend all day every day searching for information...And after all of that effort...You will not be any closer to understanding what a proper response looks like.

Meanwhile, the clock is ticking and deadlines inch closer...You need to see samples of how successful Pro Se's have responded to Credit Card Lawsuits.

You NEED INFORMATION and that is the inspiration behind the Credit Card Lawsuits Defense System.

It's an impossible task for anyone to decipher a winning formula in 20 to 30 days (The time given to file a response to the Complaint)...YOU NEED HELP!

Our eBook is the most complete guide ever created on the topic of a credit card lawsuit. If you are faced with the uncertainty of trying to defend yourself in a credit card debt lawsuit our eBook has the answers you have been searching for.

The information in our eBook starts with Sample Lawsuits from Original Creditors and Junk Debt Buyers followed by easy to follow responses...These samples will provide you the foundation for understanding, how you can respond to your own credit card lawsuit.

And that is just to start...Our eBook is filled with information that will help you with a credit card debt lawsuit.

In a short amount of time you will understand how to respond to the Complaint...How to get your response on file...What makes effective affidavits...And much much more.

You can rid yourself of the anxiety of NOT KNOWING...The NOT KNOWING of what to do or how to do it.

The Credit Card Lawsuits Defense System is a comprehensive guide, providing detailed information, for consumers being sued for credit card debt. Providing a solution for Consumers with INSTANT access 24 hours a day, 7 Days a week.