For many years now, businesses and employers have been using credit scores to evaluate applications for employment, credit, insurance and housing. They use this score to determine what kind of risk you might present to them in the future. As a result, your credit score could have a massive effect on how you reach the […]
Under the Fair Debt Collection Practices Act, if you notify the collection agency IN WRITING that you want it to stop further communication with you, the collection agency cannot contact you any further, except under certain circumstances. The purpose of this form is to stop debt collectors from contacting you. The document provides a paper […]
The purpose of this document is to legally deny to the Court any debt that Creditors’ claims to be yours. Be truthful, as this is a sworn document, and you can be prosecuted for fraud or perjury if you are intentionally untruthful. For a full explanation of a Sworn Denial and why you should use […]
The form can be used to inform the court that legal document were delivered were delivered to the Plaintiff attorneys. For a full explanation of a Certificate of Service Credit and why you should use it, see e-book, The Defendant’s Package located here. IN THE TYPE OF COURT OF YOUR STATE IN AND FOR THE […]
When confronted with summons, you feel like you are facing a mixture of threats, legal jargon and pressure to act. The resulting and overriding feeling is nothing less that sheer terror. However, it needn’t be so daunting. Start at the beginning by understanding the terminology and then take it step-by-step. Many of us have found […]
You have probably already read that if you wish to contest a lawsuit that has been served on you, it is vital that you file a response to the summons and complaint from your credit card company or third party debt buyer. That decision is pretty straight forward but knowing how to respond is a […]
Below is a sample of a cover letter. [JUNK DEBT BUYERS ADDRESS HERE] Re: Your File No. [JUNK DEBT BUYER’S FILE NUMBER IF APPLICABLE] Cause No. [PUT THE CAUSE NO. HERE] To Whom it May Concern: Attached please find my first set of Discovery Requests in the above matter. __________________________ [YOUR NAME HERE] [YOUR NAME] […]
If you’ve been served a credit card summons but don’t have the money to hire an attorney, you can still defeat junk debt buyers in court. You can win your credit card lawsuit with the help of these steps and The Defendant’s Package. Decide that you are going to answer. Locate the deadline in the […]
Before filing any motions with your court, always check your local court rules to see if a memorandum must be filed with your motion. Always check the rules of trial procedure before making a motion to your court. There are certain ways that these need to be written. Don’t just copy this. Your court rules […]
A notice of appearance will prevent the court from entering a default judgment against you without a court hearing. This also guarantees that you will be informed of all activity relating to your lawsuit. You can either get an idea from the form below, or simply go to your county’s website and look up their […]